Overestimation

Facebook

Ok, I thought I knew this good friend of mine well. Perhaps, I was wrong. Here goes the story. He logged into his facebook account with my laptop. He left for school without logging out soon after. So, I posted some silly stuffs with his facebook profile. Subsequently, he got so pissed off. Alright, I was wrong. I used to have a bunch of friends who did this sort of stuff to each other. But the same joke can't really gel well with everyone. Typically to this good friend of mine. No doubt, this good friend of mine didn't really sit well with the silly jokes. Invading his privacy was his point. Well, he was right. Maybe being childish at the age of 22 makes people feels sick though. I overestimated his tolerance over jokes and silly acts. I shall be more cautious than ever in the future. Some people really have no tolerance over silly acts involving image rights. Lesson to learn here, different people, different social circle, different set of communication protocols. Anyway, I still love him. After all, we saved each other's asses from death in Sungai Pahang some time ago.

Conclusion, I was wrong, my bad.

Total Failure

Failure

I'm tired and exhausted. It has been six months since I received my pocket money from my parents. When I asked, they refrained. I attempted the same question multiple times, but to no avail. In every sense as a student, I shall be provided the money. That's my right. I didn't mind for the fact that I wasn't paid for the first 5 months as I was doing my industrial training, generating sufficient money to pay for my rents, school fees, and pocket money. Surprisingly, I contributed the family a few thousand bucks as well. So, now I'm on my course for the final days in month six, and I was told that financially, they're not able to provide me the money for food. This is bad .real bad.

At times, I'm selfish. My dad is a bankrupt, my mum is the sole-breadwinner of my family. I felt sorry, but I felt worse for myself. I didn't have a choice. I didn't ask to be born into this family. Perhaps, I did something awfully wrong in my past life. Or else, I don't deserve this. Knowing the fact that the current predicament of my family has been a long drawn affair for years, I chose not to understand their difficulties occasionally. I love my family, and I know they love me as well. But the love is often obstructed by money matter, causing inferno and catastrophe in the house from time to time. The love is there, but I just can't feel it anymore.

From the common point of view of the society, I may be deemed as the wrong party, being ignorant and stubborn. A grown up boy who doesn't understand life, what's the worth of me living in this world? From my point of view, the family is a total failure, spiritually and financially  For the first time, I feel so unsecured. I worked as a contract staff in a bank for five month, but they assumed five years. Worst of all, they expect me to have saved sufficient bucks to start school. Mistakenly, they perceived me for overspending on unnecessary luxuries in life. But even so, wasn't I entitled to do so in order to compensate myself after a lengthy spell in the bank? They should count themselves lucky as I lightened up their burden by not asking money from them. But think of it, I'm only a student who works contract and give his parents the money he earns every month. So how on Earth is he going to have the quids to start school? This makes feel so tired to shoulder the burden of their dependency on me.

They might have did their best, but their best was just not good enough. I did my best, but my best was just not good enough either. I understand, but I choose not to understand. The same goes to them as well. My advice is, please make sure you have the money before you get married and have children. Your child doesn't deserve this, he/she doesn't have a choice, but you DO. Most importantly, you must be financially healthy and maintaining it for the rest of your life is a mandatory requirement. I have my rights as a student. I will do everything possible within my capability to resolve this in the very near future.

But for now, there's only a phrase to describe my family - Total Failure.

Teenagers

Tunku Abdul Rahman - 31st Aug 1957

First of all, Merdeka! Well, the nation must be busy celebrating countdowns and travelling to countdown hot spots as the highway tolls were free of charge! Anyway, some were truly patriotic. However, my observation told me that the majority of them are just joining the fun for nothing.

Youngsters these days don't really know the true meaning of independence day though. My brother was one of them. Before the eve, he went to Genting Highland for a countdown session with his bunch of friends. While I was fetching him, Hitz.fm happened to air the tune of "Tanggal 31" which is one of our many Independence theme song. Within a fraction of a second, he tuned to Fly.fm as he felt sick listening to it. So, wow ..... countdown huh? What a "patriotic" fella. In fact, I was told to stop by 7-Eleven so that he could get a carton of Carlsberg as beers which are sold at the peak of Genting Highland are rather pricey.

Judging from the phenomenon above, I can't help but feel that these youngsters classified independence day as a reason to have some fun as parents would subsequently grant them freedom which they desire so desperately. As for me, I took time out for a futsal session with my friends. Perhaps, I guess I'm too old for these kinda hassles and tussles of countdown stuffs.

Sheer patriotism among teenagers? From my point of view, it has been fading since the generation before mine. Not only independence day, but any other public occasion would be a reason to con parents for freedom. In other words, youngsters are only interested in alcohol, tobacco and ego nowadays.

Long way to go, Malaysia. For the time being, I shall pause. Thus once again, Happy 53rd birthday Malaysia,

Internship

Team

Time flies. My industrial training will come to an end in a month's time. No doubt, I've learnt quite a number of lessons in my workplace. Apparently, I was summoned by my boss for a short meeting. Guess what, it turned out to be weakness pin-pointing session. He was smart by starting out with my strengths, but later lambasted my weaknesses in a terribly nice and wise way. The nouns and verbs he used were absolutely metophor.

The meeting lasted for about half an hour, of which the conversation was dominated by him. I was quite disappointed with the feedback as I was branded "the solo player", I don't play as a team, I play for myself, I work for myself. In other words, I work for myself instead of working and benefiting the organization as a whole. I put too much importance to only myself. I was such a bastard. My performance was top notch, but I sacrificed others.

I'm an avid football fan, a footballer for a club in my university, and of course, I have a football mentality. I applied the value which I've managed to harvest from the football field to school activities, but it was a shame that I didn't really manage to do that quite well in a working environment. Perhaps, there are too much at stake.

A lesson to learn, do not do things for your own benefit. Benefit the stakeholders as a whole, because everyone has a stake in a team. Star players don't win us game, only teams do.

Politic Football

Football Jersey Disputes

"JOHOR BARU: Muslims should know what to wear and what not to, Johor Mufti Datuk Tahrir Shamsuddin said.

He said a Muslim should not put on shirts or jerseys that had images of satan, alcohol and crests of other religions.

He said there was no need for a fatwa on the issue as “Muslims should know their boundaries”.
Tahrir was commenting on the controversy involving the Manchester United jersey, with several prominent Islamic scholars urging Muslims not to don the Premier League club’s jersey because the emblem features a devil.

“If Muslims want to show their support for their favourite teams, they should find a better way instead of wearing such a jersey,” he said.

Perak Mufti Tan Sri Harussani Zakaria had said on Friday that jerseys with devils, crosses or skulls promoted the wrong values for Muslims but that did not mean they should be banned.

Apart from United, who are also known as The Red Devils, other football teams whose crests carry images deemed unIslamic like the cross are Brazil, Portugal, Serbia, Barcelona and Norway.

A Malay daily recently quoted Johor Religious Council adviser Datuk Nooh Gadot as saying that wearing such jerseys were forbidden in Islam."

My view: Referring to comments made above, it's totally rubbish, ridiculous and ostentatious. These muftis are just too arrogant. Majority of my Muslim friends are fans of teams which are included above, typically Manchester United. Such unpleasant news might stir uneasiness not only nationwide, but worldwide. If Muslims can't even support Manchester United or Barcelona, the day for Muslims to play for the teams shall never come. Is that what the FAM want? Football is football. Politics shall not plague the world of football.


Source: Muslims should know what they wear

Reason

For everything we do on Earth, there must be a reason. Even if we do something for fun, that fun is already a reason. Recently, I felt really fed up with people's ignorant behavior. I came across with some scenarios of which I was questioned for something. But when I started to explain, the most probable answer that I would get is "Please Don't Give Me Excuses" or "I'm Sick of Your Excuses". What the fuck??? Oh c'mon, I was taught to think logically as a child, and thinking rationally translates into learning to reason. Reasoning is always a rational motive for a belief or action.

In this case, when I was denied the chance to explain the cause of that particular phenomenon, why bother questioning me? From what I know, reasoning is a state of having good sense and judgments on matters surrounding us. Without the word "reason", humans can't really expect themselves to live by the luxuries of technology defined by science nowadays. Matters must be justified by reasons similar to science which is defined by theories, formulas and equations.

Hence, if you're questioning me and deny me the right to explain, you should finger yourself upside down because that sounds more like an accusation than giving me a chance to reason. Even criminals do have a chance to reason in court.In every sense, I believe our lives are worth much more than those criminals. So, think twice before you question.

DON'T ASK IF YOU DON'T WANNA KNOW!

Public Transport

Malaysia's Public Transportation System

Buses are as slow as tortoises,

Taxis are real extortionists,

Trains (KTM) are often late and and full,

Can't there be anymore upgrades and enhancements in these aspects?

Malaysia's public transporatation system is a real pain in the ass !

Make Time

Comfort Death

The night is still young, that's my life. Whether it's a night's out in clubs or revision for my exams, I just don't feel like sleeping. At 12am, there's still some 7 hours before the sun finally comes out. So, the night's young. Then, at 5am, there's still a long way to go before the sunset. In this case, the day's still young. The bad thing is, I tend to have the sense of feeling that sleeping is a guilt for not completing my unfinished tasks.

I often tell people that there's no such thing as "not enough time". We're given 24 hours a day in our lives. And if people still think that there are insufficient time to complete what they have to complete, then they should make time for it. As simple as it sounds, making time by not sleeping or sleep less is the best alternative. No doubt, I would die faster due to the accumulated fatigues. But that's what it takes. I always hope that I would die in my sleeps as I don't have to go through all the pain.

Think twice, isn't it nice to die in your sleeps? If you want a same finale like mine, let's sleep less and do more. It's an honour to die in comfort ~

Tiger Woo Hoo

ROOAARRR !!!

Tiger Woo Hoo? Not really. Drought season, scorching sun, hot weather, rising temperature and water shortages; this is the worst ever Chinese New Year I've endured. In other words, Tahun Baru Cina Yang Terlampau Bodoh dan Bosan Lagi PANAS. Certainly, 2010 is not my year. I'm a realistic guy, even the sum of my angpao shrunk ! To add insult to injury, I lost a few quids to the Genting casino as well. Indeed, I lost because I was optimistic, and of course, egoism. Regrettably, the Genting trip cost me a Tissot, and it started off with a RM100 jockey parking fee due to parking shortage. So if you want success in life, being hopeful and optimistic are not the way. No doubt, my rampant libido did me no good and I suffered quite a heavy blow from it. In a poker game, one must be selective and aggressive as well as realistic. One must not hope, as we can only hope to kill the hopeful ones. Be it a game of cards or your daily undertakings, don't ever hope. Realistic is the word. Therefore, be realistic. Year 2010 is the year of tiger. Hence, be careful and don't get bitten by it. Last but not least, Happy Chinese New Year ~ ROOARRR !

Definition of "Allah"

Language for All

Apparently, the latest conflict in my country, Malaysia is the usage of the term "Allah". Of course, churches have been attacked with some Molotov cocktails by some anonymous culprits. People especially conservative Muslims have been dwelling on this matter as the term is deemed to be exclusive only for the Muslims. So, ahh ... this is the latest dispute in my homeland which will most probably drive tourists and FDI's away.

As far as I'm concerned, "Allah" is the standard Arabic word for "God". It is widely used by Arabic-speakers of all Abrahamic faiths which includes Christians and Jews in reference to "God". On top of that, the Christian Arabs of today have no other words to refer to "God" other than "Allah". The same thing applies to other races. A portion Christian Chinese refers to "God" in their own language, Mandarin as : (神; pinyin: shén). In other words, it is pronounced as "shen". Therefore, is the word "shen" exclusive to the Chinese only? Be it "Allah" or "Shen", both of these words have the same meaning. After all, it's only a noun. If the vermins who attacked the churches wanted so much exclusivity for the word, why not give a special name to the God? They must distinguish "Kata Nama & Kata Nama Khas" very well. Well, unless education is what these poor chaps are lack of.

There's no way that we can deny the rights of others to use a secondary language. What's next then? Forbidden students from using English as it is not the national language? For so many years, many non-Muslim Malaysians have been saying "Allar, why this ...... ; Allah why that ...." and so on. Hence, it's totally a waste of time to have a court ruling as it's only an Arabic word. Worst of all, i repeat, it's only a NOUN a.k.a KATA NAMA in Arabic term. I don't care who's behind those dirty attacks, be it political or religious party, we learn KATA NAMA in Primary ONE, ya know?

Last but not least, I hope this crap can be resolved as soon as possible. No doubt, I'm worried I might get jailed for writing this as the Internal Security Act in Malaysia often arrest civilians for some super absurd and ostentatious reasons. Anyway, it's freedom of speech, and I'm going to utilize this to the fullest. For further information, please kindly refer to Wikipedia.

END

Nothing But A Good Night's Sleep

Today marks the beginning of my trimester week no.4. Up until now, I guess I've been doing nothing. Day until night, I daydream in the lecture hall, mourn the passing of MJ, loiter, eat a lot and experience difficulties in sleeping.

Ok, majority of the problems I mentioned above do not concern me that much. BUT, sleep disorders are the REAL obstacles to get rid of. Here are the scenarios:

A friend of mine suffers from allergy when he consumes chickens. Thus, he convened an argument with me. He said he has too many things to handle with too little disposable energy in his body. Furthermore, he ridiculed me by claiming Insomnia is nothing compared to his problems. Well, from my point of view, it's totally nonsense, ridiculous and ostentatious. At the very least, he falls asleep easily. Thus, the "regenerate and rejuvenate" process are merely issues to him. My suggestions are, he can either opt to consume pork, mutton or beef. If he is willing to drop his money-saving obsession and self-imposed starvation activities, he can eventually get sufficient nutrients to keep his day going. If not, he will need to take some naps by not forcing himself into the toll-taking tasks or suffer from the opportunity cost for not consuming enough food. Uhm, don't get me wrong, I have evidence. For instance, he ordered 2 roti canai as his dinner ! Money matter ?? Uhm, I guess so.

Then, here comes my part. I've been suffering from Insomnia since my years in high school. The problem just got more severe when time went by. I went to bed at 12am and fell asleep about 5 hours later. I did nothing within that time. I felt so restless and tired. Yet, I can't sleep nor do anything useful. The next day, I either overslept or daydream in the lecture hall. Damn, all I wanted is a good 8 hours sleep for a better tomorrow.

Oh yeah, one more further claim from my weirdo friend:
"Normal people sleeps at 10pm, ok?"

The statement above which isn't backed by evidence is just a self-claimed theory. From what I see, the majority of the labour force work at least until 10pm. It ranges from pasar malam to mamak stalls. Even shopping centres in the hub of Kuala Lumpur such as KLCC shuts down at 11pm. To proof my evidence further, a recent study from the world football governing body FIFA indicates that the sport accounts for 71% of interest in Europe and 65% in Asia alone. Plus, Malaysia is 8 hours ahead of the major leagues in Europe. Thus, every live telecast will mostly end at 12am. Not to mention the midnight Champions League schedule.

I'm not forcing him to retract his statements by writing this column because everyone has their own opinions. My priority of writing this is, to tell him being a herbivor suffers less than a zombie. Back to the main argument. His problems are easy to solve, take some naps, eat more or consume other form of meats.

What about mine then? Medical prescriptions? Drugs?? In the end, I'll die like the way Heath Ledger or Michael Jackson did by taking Demerol or Deprivan???

Give me some pointers.
Nothing but a good night's sleep, but not all of us have this luxury.

Money Ladies

In my previous blog post, I related men with deers. Although I don’t possess deep understanding in women, for the sake of fairness, I must write about woman this time around. Ok, here we go. In this 21st century, relationship is getting more and more complex. I’m certainly sure that most relationships are full of lies and greed. Here, I regard the lies to men, and greed to women. Men court women maybe because of their beautiful look while women, accept men based on the wealth assessment. Although I came from a poor family, I strongly agree and accept that woman should find themselves a rich guy who loves them.

Now, the problem occurs here. The word, ‘rich‘. There is a new trend of finding a rich partner nowadays, they tend to evaluate a man’s wealth regardless of age. A 5 year gap is still normal, 10 years senior is more of a bit ridiculous but still acceptable. Hey, what about a 20 years difference? This is totally ridiculous ! ! In my university, I see many ladies, beautiful ladies, beautiful yet pathetic… ..There are 2 beautiful classmates of mine who have their boyfriends of at least 10 to 20 years older than them. These guys are just a few years younger than my papa. Women look at the credit cards, the ride and the most important of all, a thick wallet filled with paper notes. With an average basic salary of a few thousand bucks, these guys can easily satisfy a 19 years old girl’s demand. And they look like a pimp to me. Pimps are always ugly, with their malicious act. It’s hard to imagine a dinner between these pimps and the girl’s parent. Into the age of 40’s, we should be calling them ‘Uncle’. I can guarantee, no parents in this world would like to see their son or daughter with a partner of 20 years seniority. If they really want the big bucks, they should consider looking into the CV’s of true millionaires.

Alright, first, these uncles are just from a middle class labour force pocketing their not so extraordinary salary of a few thousand bucks. Second, the ride they have is most likely to be a Honda or Toyota. Last but not least, these pimps are in their 30’s and 40’s. To back up my point, here’s my elaboration. A few thousand bucks can’t be regarded as rich. Moreover, a rich should be driving a Merc or BMW and a millionaire should have a driver driving him around in a bullet-proof Cadillac or Maybach chauffeur. From my evaluation, things will only turn from bad to worse since generation gap isn’t an issue anymore, and a 50 years gap seems possible as well. Thus, women will most likely ply their trade with older men, as long as these pimps are a little bit well off in wealth. I hope my grandpapa doesn’t get angry on this. For the sake of mankind, women, please stop these disgraceful acts. It’s not wrong to be materialistic, but it is wrong to go against Mother nature. Greed will lead us to sin. Marriage between children and adult too is illegal, now let’s hope that the government will highlight this issue and do something about it. God bless us. Amen.

Micro-Burdens

Babies are born everyday. Mothers who deliver these babies endure a very painful process. The pain, it's a burden to the mother of the child. If the mother fails to go through the process unscathed, she dies. The death serves as a burden to the newborn child.

Then, the children grow up. They go to school, they eat, and they play. Not to mention the tuition, music and art classes, not all parents can afford these expenses. So, in this case, the children are the burdens to their parents. Day by day, they grow up. They want almost every nice clothes, shoes, watches, gaming devices, cellphones, computers, leisure outings and many other ridiculous, absurd and ostentatious demands.

One day, this particular teenager got robbed by some Mat Rempits. So, he borrowed some cash from his friends. From then on, he became a burden to his friends. Then he realised the cash can't last until the end of the month, so he asked some money from his parents. Again, he's a burden to his parents. After a horrible month, he was looking for money from every possible alternative. The debts must be returned. Therefore, debts are burdens. Pathetic little boy.

After many triumphs and torments during high school, he planned to pursue his music studies in university. But then, he never knew what was happening to his family at home. The family was about to declare bankruptcy. As a result, he never made it to the music school. Instead, he had to resort for a government study loan for his academic studies. He was very disappointed to found out that he was such a heavy burden to his family in the past. A talent wasted, a burden added. His current predicament, is full of burdens.

Into the years of university, the textbooks and school fees were funded by the government loan. Back then, the economic crisis was looming. So, the financial help which government handed to the students became a burden. There were little to none which the government can do to react to the apparent petulance.

When the parents of these children grow old, and when they have their grandchildren and so on, these happenings will become the heaviest burden to their grown up - turned parents - children. At the later stage of life, people dies. This will become a real heavy burden, because a funeral might costs 10 times the amount which we can ever imagine. Below are the precise details:

Hospital bills - RM 50,000 , coffin - RM 15,000 , transportation services - RM 3,000 , burial land - RM 100,000 , cemetery paint job - RM 3,000 , funeral band - RM 5,000 , flowers - RM 100 ..... the sum amounts to RM 176,100. This amount is subjected to double because there will be 2 funerals for the parents, which will balloon to an unprecedented amount of RM 352,200.

Do you see this titanic sum now? It's a Volkswagen Golf GTi. We can't get anything back for what we paid. Instead, we pay to lose our loved ones. Life is so unfair, unjust, and it's another burden.

In a nutshell, family is a burden. Sometimes, friends are burden to each other too. A single helping hand can become a burden to both parties. So, people, think twice before getting married. Marriage causes many burdens. Humanity causes burdens. Neither I'm condoning human extinction nor discouraging marriage and raising a family. I'm advocating a sound family financial planning and a healthy environment to bring up the next generation. The message is clear, if we screw up financially, a child can be a burden to parents; and parents can be a burden to the child. When a child is brought to this world, we'll indirectly make him or her to pay a Volkswagen or a BMW in the form of our funeral. It's mad money for the poor, it's a mind boggling sum for the uncapables, and most of all, it's a burden to the child. 

Men & Deers

Sometimes, I think life would be a lot more less complicated if we become a deer. Because then, all we’d need to do to establish ourselves, as superior beings in a group, is to stand tall and wave our antlers around. Now, here’s the case. All men will claim they don’t jostle around for the high ground in a group of other men, but this is nonsense. We all do. Some by using wit, some with the enormity of their wad and some by demonstrating their cleverness. However, the problem lies here, it’s weird. Things don’t get much better because there are many more men out there who look like a deer. A man is still a man, not a deer. Though we are not perfect, we can’t let our egoism to make things look right, neither to view the better side of others as a threat. Nobody is perfect, God creates us to be imperfect. Therefore, why the fuss to look life a deer with those antlers?. It’s against the nature for humans to grow one of those things. I must admit that I've tried to make myself a deer in the past, but I realize that it’s stupid and disgusting. Thus, I’m trying my best to become a man. For the sake of humanity, we must change. For your information, men don’t have antlers, only the deers do. And for all the men who read this, accept the truth, learn how to be defeated rise again. Don't grow those antlers, we can’t always win in life.

Nerds & Noobs

Children go to schools to learn the most basic lessons in life. They proceed from kindergarten to primary school. From primary school they march into high school. Eventually, they pursue their studies in universities. Although not each and every of them has the ability and capability to cope with the pressure of studies, their ultimate destination is still the labour force. Be it a corporate manager or a guy who sells pirated DVD in night market, they share the same primary mission in life; survival and good life.


When it comes to situations which require critical thinking, tension starts to rise among people and nerds are the first majority to panic. Their neuroticism levels are so high. Psychologically and scientific proven, they are most likely to die from heart attack. With so many situational factor I pointed out above, today I must emphasis on the issue of final exams. I choose the exam factor because nerds and noobs will only respond to examination. They don't even care one bit about sports and competitions. Well, because they are simply noobs and potential corporate dogs who are all workaholics..

In university, assignments and exams are norms. So does a degree qualification. They work, and work and work and some day, we'll have to work, and work, and work bloody hard as well. Some smart ass do take some day-offs to enjoy themselves on a holiday, but some don't. They work like a noob, just like a student who studies like a nerd. All they know about school are studies, all they know about their job is to work, and all they know about life is about job and education. Pathetic.

If they know about  the existence of supercars, beautiful houses, and a luxury lifestyle, they would've use the money to enjoy what this world has to offer rather than giving everything to their heirs. They work for the future of their sons and daughters who will splash their cash like hell. In addition, the cash was conned for all the wrong reasons, and when they are old, they die for all the wrong reasons too. The hard earned money they've been working for, are not theirs to be enjoyed. I remember my grandpapa once told me, 'If you don't work, how are you suppose to eat?'. Well, my purpose of writing here today, is to rectify this phrase. It should be, 'If you don't eat, how are you suppose to work?'. You see, there are many more things to do in this world. Life isn't just about studies and work. Therefore, make some rooms for yourself, and try to enjoy life. Life comes first, achievement comes second. I'm not trying to discourage effort to achieve a dream. But efforts to the detrimental of life is unhealthy and we will miss out on important things in life before we know it until our final moments on hospital bed. This is because hard work doesn't really guarantee success. On the other hand, enjoying your life guarantees fun and pleasures. In a nutshell, to the nerds and noobs who read this, CHANGE!

Legal Scams

AIG, ING, ReliaStar etc. These companies provide services to the society with many insurance packages, and these packages varies, depending on how much we pay. Moreover, the packages insure a wide coverage of criteria ranging from vehicle to life insurance. We should know that from the first day the insurance businesses were introduced, they have been reaping billions of dollar in terms of profits. All these shits happen because the people still think the insurance benefits them, paying the expensive and ridiculous monthly premiums desperately for safety reasons. In fact, insurance is one of the world’s greatest scams ever. They’re very happy to make promises and take your money, but the minute you can legitimately cash in, they fight you, kicking and screaming, looking into every possible loophole to deny payment and carrying as much red tape as possible to keep what you’re due. It’s no wonder some have made their entire careers on fighting insurance companies. Insurance companies are the legal cheaters and liars.

The conclusion here is, people should save up their money for emergency uses rather than dumping their money into the insurance companies, relying on these culprits to compensate their own losses. Government too should implement a saving plan which people must contribute an extra amount of money with the funds acting as an insurance and the government being regarded as the insurer. This can be the one and only solution to tackle down the big cheaters in our society. A reminder once more, don’t trust insurance. There are many victims out there, believe it or not, find some and interview them. Make a wise choice and be a smart consumer.