Thursday, October 21, 2004

THE TAXI RIDE

An Edifying Tale


Twenty years ago, I drove a taxi for a living.

When I arrived at 2:30 am, the building was dark except for a single light in a ground floor window.

Under these circumstances, many drivers would just honk once or twice, wait a minute, then drive away. But, I had seen too many impoverished people who depended on taxis as their only means of transportation. Unless a situation smelled of danger, I always went to the door. This passenger might be someone who needs my assistance, I reasoned to myself. So I walked to the door and knocked.

"Just a minute," answered a frail, elderly voice.

I could hear something being dragged across the floor. After a long pause, the door opened.

A small woman in her 80's stood before me. She was wearing a print dress and a pillbox hat with a veil pinned on it, like somebody out of a 1940s movie. By her side was a small nylon suitcase.

The apartment looked as if no one had lived in it for years. All the furniture was covered with sheets. There were no clocks on the walls, no knickknacks or utensils on the counters. In the corner was a cardboard box filled with photos and glassware.

"Would you carry my bag out to the car?" she said.

I took the suitcase to the taxi, then returned to assist the woman. She took my arm and we walked slowly toward the curb. She kept thanking me for my kindness.

"It's nothing", I told her. "I just try to treat my passengers the way I would want my mother treated."

"Oh, you're such a good boy," she said.

When we got in the taxi, she gave me an address, then asked, "Could you drive through downtown?"

"It's not the shortest way," I answered quickly.

"Oh, I don't mind," she said. "I'm in no hurry. I'm on my way to a hospice."

I looked in the rear-view mirror. Her eyes were glistening.

"I don't have any family left," she continued. "The doctor says I don't have very long."

I quietly reached over and shut off the meter. "What route would you like me to take?" I asked.

For the next two hours, we drove through the city. She showed me the building where she had once worked as an elevator operator. We drove through the neighbourhood where she and her husband had lived when they were newlyweds.

She had me pull up in front of a furniture warehouse that had once been a ballroom where she had gone dancing as a girl. Sometimes she'd ask me to slow in front of a particular building or corner and would sit staring into the darkness, saying nothing.

As the first hint of sun was creasing the horizon, she suddenly said, "I'm tired. Let's go now."

We drove in silence to the address she had given me. It was a low building, like a small convalescent home, with a driveway that passed under a portico. Two orderlies came out to the taxi as soon as we pulled up. They were solicitous and intent, watching her every move. They must have been expecting her. I opened the boot and took the small suitcase to the door. The woman was already seated in a wheelchair.

"How much do I owe you?" she asked, reaching into her purse.

"Nothing," I said.

"You have to make a living," she answered.

"There are other passengers," I responded.

Almost without thinking, I bent and gave her a hug. She held onto me tightly.

"You gave an old woman a little moment of joy," she said.

"Thank you."

I squeezed her hand, then walked into the dim morning light. Behind me, a door shut. It was the sound of the closing of a life. I didn't pick up any more passengers that shift. I drove aimlessly, lost in thought. For the rest of that day, I could hardly talk.

What if that woman had gotten an angry driver, or one who was impatient to end his shift? What if I had refused to take the run, or had honked once, then driven away? On a quick review, I don't think that I have done anything more important in my life.

We're conditioned to think that our lives revolve around great moments. But great moments often catch us unawares--beautifully wrapped in what others may consider a small one.

PEOPLE MAY NOT REMEMBER EXACTLY WHAT YOU DID, OR WHAT YOU SAID, ~ BUT, THEY WILL ALWAYS REMEMBER HOW YOU MADE THEM FEEL.

You won't get a big surprise in ten days if you send it to ten people.

But, you might help make the world a little kinder and more compassionate by sending it on.

Life may not be the party we hoped for, but while we are here we might as well dance. Every morning when I open my eyes, I tell myself that it is special. Every day, every minute, every breath, truly, is a gift from God.

Copyright 2003-2004 Azlan Adnan Legal Notice

Tuesday, October 19, 2004

Angolan Conman ~ Kofi Yousaof

Date: Tue, 19 Oct 2004 04:30:59 -0700 (PDT)
From: "Kofi Yousaof" kofi_2005_mail@yahoo.com
Subject: I believe that your assistance will be of profitable advantage to us.
To: azlan
From: Mr Kofi Yousaof

Re-Investment Research

Dear.

How are you and your business? I am very interested in doing business
in your country, therefore I would like to seek your assistance and
help.

I am particularly interested in properties but your advise on other
areas of private sector would be appreciated.

I got your contact at the World Trade Center here in Thailand and I am
of the believe that you would be of great help in guiding me to a
successful exploration of the investment potential of your country
which grantee good capital returns and human security.

As a result of this, I can take you in confidence basically because of
the source of my fund here by believing that your assistance will be
of profitable advantage to us.

I am Mr Kofi Yousaof : formerly of United Liberation Army of Northern
Angola {UNITA} under the military leadership of Gen. Gonas Savimbi. My
comrades and I sensing the weakness of our Liberation movement and
loss of confidence in facing a better trained and equipped federal
government Army towards the last one year. We decided to escape with
some fund under our care.

We deposited this money with a private security firm in Bangkok , it
was deposited as a family treasure so as not to let the company know
the real content.

This was made possible true special arrangement. South Africa however
not being safe for me because of it closeness to Angola, I escaped to
Thailand were I'm staying at the moment as a refugee.

I would there fore like you to help me in every possible way in
securing this fund to your country since I intend to live and run my
business there.

The amount involved is, Fifteen million five hundred thousand united
states dollar {$15.5m}

Sir, I would like you to understand my modesty in imploring for your
help which is categorically due to my lack of business experience and
exposure.

I also want you to acknowledge the fact that I am a carrier soldier
who by virtue of the war was opportune to posses the amount of money
with me.

This fund being the basis of my future and business ambition, your
friendship, assistance and advise will be immensely appreciated while
your effort will be rewarded by parting with some percentage of the
total fund to you.

Be also assured that you stand on no risk of any kind as it was an
event during a war situation and I look forward to your urgent reply.

Best Regards.

Mr.Kofi Yousaof .

Monday, October 18, 2004

SPECIAL DEAL!

Not to be missed!

I've managed to get a special deal on this Robert Kiyosaki seminar ~ RM90 per pax - if I can get a group of ten pax to register with me. Email me if you are interested. You need to pay me by Thursday, Oct 21 at the free preview (details below).

Azlan
azlan088@gmail.com

Copyright 2003-2004 Azlan Adnan Legal Notice

African Scam ~ Mrs SALISU SALISU

From: Mrs SALISU SALISU salisu582003@netscape.net
Reply-To: salisu60@netscape.net
Date: Mon, 18 Oct 2004 12:44:57 +0200
Subject: PLEASE ACKNOWLEDGE RECIEPT.


33 KINBERLEY AVENUE
BELLVIEW EAST JHB
JOHANESBOURG
R.S.A SOUTH AFRICA
SALISU60@NETSCAPE.NET

DEAR

I KNOW THAT THIS MESSAGE WILL COME TO YOU AS A SURPRISE SINCE WE DO
NOT KNOW EACH OTHER BEFORE BUT FOR THE PURPOSE OF INTRODUCTION ,I AM
MRS SALISU SISULU CHIEF AUDITOR OF AFRICAN DEVELOPMENT BANK]
(ADB).THERE WAS AN ACCOUNT OPENED HERE IN 1980 AND SINCE 1990,NOBODY
HAS OPERATED ON THIS ACCOUNT AGAIN,AFTER GOING THROUGH SOME OLD FILES
IN THE RECORD,I DISCOVERED THAT IF I DO NOT REMOVE THIS MONEY OUT
URGENTLY,IT WILL BE FORFEITED FOR OTHING .

THE OWNER OF THIS IS MR KARL HEINZE WARAF,A FORIGNER AND A MINNER AT
KRUGER GOLD COMPANY ,A GEOLOGIST BY PROFESSION HE DIED SINCE 1987.NO
OTHER PERSON KNOWS THAT THIS ACCOUNT HAS NO OTHER BENEFICIARY AND MY
INVESTIGATION PROVED TO ME AS WELL, THAT HIS COMPANY DOES NOT KNOW
ANYTHING ABOUT THIS ACCOUNT AND THE AMOUNT INVOLED IS US$29.6}TWENTY
NINE MILLION SIX HUNDRED THOUSAND UNITED STATES DOLLAR}.. I AM ONLY
CONTACTATING YOU AS A FOREIGNER BECAUSE THIS MONEY CANNOT BE APPROVED
TO A LOCAL BANK HERE BUT, CAN ONLY BE APPROVED TO ANY FOREIGN ACCOUNT
BECAUSE THE MONEY IS IN U.S.DOLLARS AND THE FORMER OWNER OF THE
ACCOUNT.MR KARL HEINZE WARAF, IS A FOREIGNER TOO.

I KNOW THAT THIS MESSAGE WILL COME TO YOU AS A SURPRISE AS WE DO NOT
KNOW OUR SELVES BEFORE, WE WILL SIGN AN AGREEMENT,BUT BE SURE THAT IT
IS REAL AND A GENUINE BUSINESS. PLEASE REPLY URGENTLY SO THAT I WILL
INFORM YOU OF THE NEXT STEP TO TAKE IMMEDIATELY. SEND ALSO YOUR
PRIVATE TELEPHONE AND FAX NUMBERS INCLUDING THE FULL DETAILS OF THE
ACCOUNT TO BE USED FOR THE DEPOSIT. I WOULD LIKE US TO MEET FACE TO
FACE OR TO SIGN A BINDING AGREEMENT SO THAT YOU CAN RECIEVE THIS MONEY
INTO A FORIGHN ACCOUNT AS A FORIGHN BENEFICIARY.

I NEED YOUR FULL CO-OPERATION TO MAKE THIS WORK FINE BECAUSE THE
MANAGEMENT IS READY TO APPROVE THIS PAYMENT TO ANY FOREIGNER WHO
PROVIDES CORRECT INFORMATION OF THIS ACCOUNT WHICH I WILL GIVE YOU
LATTER.

IMMIDIATELY YOU INDECATE YOUR INTEREST AND CAPABILITY TO HANDLE SUCH
AMOUNT OF MONEY, YOU WILL THEN FOLLOW MY INSTRUCTION AND ADVICE FOR
OUR MUTUAL AND HONEST BUSINESS TRANSACTION, BECAUSE I DO NOT WANT TO
MAKE ANY MISTAKE AT ALL. I NEED YOUR STRONG ASSURANCE AND TRUST,20% OF
THE MONEY WILL BE YOURS,75%FOR ME AND 5% WILL BE SET ASIDE FOR THE
EXPENSES THAT COULD BE INCURED THROUGHOUT THE CAUSE OF THIS
TRANSACTION.

I LOOK FORWARD TO YOUR EARLIEST REPLY THROUGH MY E-MAIL
THANKS FOR YOUR UNDERSTANDING
BEST REGARDS
MRS SALISU SISULU THE AUDITOR.

African Scam Spam - Greg and Heba

Don't they Ever Give Up?

From: Greg and Heba
Reply-To: greheba@netscape.net
To: azlan
Date: Sun, 17 Oct 2004 16:34:13 -0600
Subject: Urgent Request

Dear sir ,
It's Good thing to write you. We have an important proposition for
youth is how ever is not mandatory nor will I in any
manner compel you to honour against your will.
Your profile pushed me to send you this mail, I Greg
and my only sister Heba the only surviving children of late Mr. Mrs james. Our
father was a highly reputable business magnet (a cocoa merchant)
who operate during his days in Africa .
It is sad to say that he passed away mysteriously in France during
one of his business trips abroad on 12th.December 2002.Though his
sudden death was linked or rather suspected to have
been masterminded
by an uncle of his who travelled with him at that time. But God knows the truth!
our mother died when my younger was just 4 years old, and since
then my father took me so special.Before he made the trip to france
that lead to his fortune(his death)He called me,explained to me
the reason why he will make the trip is to negotiate
for foreign investment and also told us that he has the sum of
fourteen million, seven hundred thousand United State
Dollars.(USD$14.700,000)deposited in one of the commercial bank here in Africa.
YOUR INFORMATIONS FOR THE CLAIMS IMMEDIATELY:
1.YOUR FULL NAME AND AGE.
2 YOUR CONTACT ADDRESS
3.YOUR PRIVATE TELEPHONE AND FAX NUMBER
we are young once and undergraduate university students and really
don't know what to do. This is because I have suffered a lot since
the death of my father actually brought sorrow to my life.
we in a sincere desire of your humble assistance in this regards.
Your suggestions and ideas will be highly regarded.Upon your willingness
to assist us transfer the sum into your account,we
have the deposit slip from the bank issued to our late fahter on the
day of deposit Now permit me to ask these few questions:-
1. Can you honestly help us ?
2. Can we completely trust you?
3. What percentage of the total amount in question
will be good for you after the fund might have been transfered into your account?
Please, Consider this and get back to us as soon as possible through my personal email ---hebagreg@netscape.net.
Thanks.
Greg and Heba

Copyright 2003-2004 Azlan Adnan Legal Notice

Sunday, October 17, 2004

smart and Hugo Boss start the Urban Drive

Cooperation between Hugo Boss and smart

In October 2004, smart and HUGO Fragrances will tour together through nine European countries with their "Urban Drive" promotion. A central element of the cooperation is an exclusive special edition of the smart forfour developed together with P&G Prestige Beaute, the worldwide licensee of HUGO BOSS AG fragrances. This limited special edition of which just five vehicles will be produced combines smart's urban lifestyle with HUGO's modern and trendy outlook on life.



The smart forfour special edition with a black tridion safety cell, bodypanels in jack black and HUGO lettering on the B-pillars is based on the equipment level of the smart forfour edition sportstyle which is limited to 500 vehicles. The special HUGO interior featuring the HUGO colours red and black with red leather trim, two HUGO logos embroidered in the front headrests, a HUGO logo on the glove compartment trim and red HUGO lettering on the floor mats enhance the exclusivity of this special edition. Further information on the smart forfour special edition can be found on the website www.smart.com.

The smart forfour special edition is exclusively available to the winners of the main prizes in the "Urban Drive" fragrance promotion. "We want these vehicles to remain something very special which is why we won't be selling the special edition but will only be giving it away to the competition winners", explains Lueder Fromm, responsible for cooperation and licences at smart.

Three of the smart forfour special edition models will be on display in selected Douglas perfumeries in Germany. Two further models are destined for France and Spain.

"The smart forfour is the perfect car for all those who live according to their own rules and a perfect match for the attitude to life embodied by HUGO fragrances: Urban. Innovative. Provocative.", is how Markus Spieker, Brand Manager P&G Prestige Beaute for Germany, Austria, Switzerland sums up the importance of the cooperation.

Information and entry forms for the competition that will run from October 11 to 23 2004 are available at all Douglas perfumeries.

Copyright 2003-2004 Azlan Adnan Legal Notice

limited edition smart fortwo i-move

Innovative cooperation between the Apple and smart brands
smart integrates iPod into limited edition smart fortwo i-move

smart is the first car manufacturer worldwide to offer an integrated Apple iPod play-back and charging station into it's limited edition smart fortwo i-move that will go on sale from May 2004 in selected markets. The white smart fortwo cabrio with a silver tridion safety cell will come standard with an iPod engraved with the smart logo and the smart "iPod Car Kit" consisting of a mount with connection for iPod.

Copyright 2003-2004 Azlan Adnan Legal Notice

Saturday, October 16, 2004

Real Estate Riches:

How to Become Rich Using Your Banker's Money


Dolf de Roos - #1 Best Selling Author - is on a Mission:

"To Show You How You Can Make 10 Times More Money Working for Yourself than Creating Wealth for Someone Else..."


Stop creating wealth for someone else and start using your wealth creation potential for yourself.

Dolf de Roos remembers thinking... "Why would anyone in their right mind agree to work for forty hours a week, for forty-nine weeks of the year... when in one week you can do a deal worth US$35,000 and take the rest of the year off?"

When it comes to being rich or poor there are two types of people...

Those who have wealth creation systems and those who work for those who have them.

Which one are you?

"I'm willing to bet that you have just as much if not more potential, desire and aptitude than any of those people out there that have created major wealth - all you are missing is a little help from someone who has been where you are now and is where you want to be.

As I've traveled the world I've shaken up a lot of people when they discover I studied eight years to earn my PhD and then turned down a job offer for US$32,000 because a week earlier I had closed on a real estate deal that put US$35,000 in my bank account in one lump sum.

Yet I continue to take regular people (from all walks of life) and have shown them exactly what to do to unleash their hidden wealth earning potential for themselves and quit giving it away to someone else in a 9-5 job,"
Dolf de Roos writes.

"Why work for someone else when you can learn exactly what to do to earn 10 times more money than you can make working for someone else?"

Copyright 2003-2004 Azlan Adnan Legal Notice

The ABC's of Real Estate Investing

The secrets of finding hidden profits that most investors miss
By Ken McElroy

Book Excerpt from a new book in the Rich Dad's Advisors Series
From Chapter Three...


It Takes a Team
Who was it that said, "No man is an island?" Whoever he was, he could have been living in the twenty-first century because today we don't do anything without the help of other people. Even when movie stars win Academy Awards, they never walk up to the podium, face the crowd, smile, and say, "Thank you. I am quite wonderful for having done this all by myself." Instead, it practically takes a vaudeville cane to yank them off the stage as they thank the hundreds of people who helped them along the way. Everyone has a team. Even the Lone Ranger had Tonto and Silver!

Well, in the business of investment real estate, you can't afford to be a lone ranger. In fact, it's impossible to accomplish your goal on your own no matter what your goal is. And no one is expecting you to. Quite the opposite. We're expecting you to build an extensive network and a close-knit team that will be your most valuable resource.

Why Have a Team?
Having a team of experts on call is not free and it is not cheap. Those are the two biggest reasons why many inexperienced investors make a rookie mistake: They try to do almost everything themselves. Sure, they my save a few dollars in the short run, but they usually lose in the long run. Without experts on your team, deals take longer to find, evaluate, and close, so there's the value of your time and the loss of valuable opportunities. Do-it-yourselfers miss details that experts would see in a minute, like clauses missing in contracts, obvious defects in construction, and hundreds if not thousands of other issues experts would point out up front.

An expert team on your side means you'll have fewer surprises as you wade through the sometimes turbulent waters of purchasing and managing a property. Surprises are wonderful on birthdays, but the kinds of surprises that come from investment property are usually not very welcome.

Real-World Case
One investor who decided to go it along alone is a man from Seattle who called us right after he purchased a 100-unit property and asked us to help him manage it. The key word here is "after." The property is in Phoenix and he had absolutely no plan for it. He had never walked any of the units; he never called anyone to inquire what the resident mix was like. He never even checked what kind of neighborhood the property was in. When we talked it was obvious he had not done any research at all on the property; he bought it sight unseen. The property was in massive disrepair -- a nice way of saying it should have been condemned -- and worse than that, it was full of gang members. Even the Phoenix police department was instructed to never enter the premises without backup.

This man's laziness on the front end cost him tons of money. I wonder why now, but we did take on the management contract for this property and the price tag was pretty steep to get this place back in shape. Outside contractors of every kind, lawyers, you name it, we hired them all. We sent eviction notices that nearly evacuated the entire place just to get rid of the riffraff. That meant the owner endured months of significantly reduced income and sky-high marketing costs to get the property leased. It was a mess that took the better part of a year. If this man had taken the time to establish a network of people in Phoenix before buying the property, they would have either steered him clear of this property or flushed out all the issues so he could have established a plan to turn the property around.

This is just one example. There are thousands of others. The point here is simply that the wise investor pays on the front end and reaps the rewards on the back end. The fees it would have cost the property owner from Seattle to have his Phoenix team visit the property and file a report or two were a pittance when compared with what it cost him out of his own pocket to get his investment in shape. Had the work been identified up front, the cost of the property improvements would have been factored into the seller's listing price. Build your team now. You'll save money and be prepared for whatever you encounter along the way.

And here's one more bonus. Often it is the team you establish that becomes the foundation for your entire network. Think of your network as your lifeline. Not only will they help you with the deals you're working on now, they are usually the ones who will bring you your second, third, and fourth property opportunities -- particularly if you have voiced your goal to them clearly, as discussed in the previous chapter. There's no need to do all the work yourself. You need experts. I've been doing this for years and I still rely on my team of experts. I wouldn't do a deal without them.

Also in this chapter:

The Pros and Cons of Working with Family Members

Partners - A Good Thing or a Bad Idea

Copyright 2003-2004 Azlan Adnan Legal Notice

Friday, October 15, 2004

FBI shuts down 20 antiwar web sites:

an unprecedented act of Internet censorship
By the Editorial Board
13 October 2004

The US government move to shut down nearly two dozen antiwar, anti-globalization web sites on October 7 is an unprecedented exercise of police power against political dissent on the Internet. The World Socialist Web Site denounces the attack on the Indymedia sites and demands a halt to all such attempts at suppressing political criticism of the US government.

The shutdown was carried out by Rackspace, a US-based web-hosting company with offices in San Antonio, Texas, and greater London, in response to an order from the FBI requiring it to turn over two of its British servers that were hosting dozens of Indymedia sites. There are conflicting accounts of the legal process, with Indymedia attributing the order to a US federal district court, while the Electronic Freedom Foundation, which is supplying legal representation to the group, describes it as a "commissioner's order" directly from the FBI itself.

At least 20 national web sites, including those for Brazil, Britain, France, Germany, Italy and Uruguay were taken down when the hard drives for the servers were given to the FBI. Most of the sites were restored to service by the end of the weekend, but they may have lost significant digital content because of the removal of the hardware.

The seizure appeared to be politically timed. It came just one week before the start of the third session of the European Social Forum (ESF), a large gathering of antiwar and anti-globalization activists, scheduled to take place in London October 15-17. The ESF was to be broadcast live via streaming video on many of the Indymedia sites.

The FBI said the action was taken at the request of Italian and Swiss authorities, under the Mutual Legal Assistance Treaty, which provides for cooperative efforts by various national police agencies against international terrorism, kidnapping and money laundering. According to a statement issued by the web-hosting firm, "Rackspace is acting as a good corporate citizen and is cooperating with international law enforcement authorities."

The invocation of such a treaty against a group of left-wing web sites with no link to any form of terrorism is an outrageous smear. Indymedia was formed in 1999 to provide live on-the-spot coverage of the anti-globalization protests in Seattle. It has expanded into a worldwide network of 140 locally based sites that provide extensive coverage of political activities that are frequently blacked out by the corporate-controlled media.

According to a statement issued by the Indymedia network, the group was asked by the FBI last month to remove a story posted on one its member sites about Swiss undercover police. The story included photographs of two secret police officers who had acted as agents provocateurs during anti-globalization protests last year outside the G-8 summit meeting in Evian, France. The FBI conceded that the posting of this information did not violate any US law, and Indymedia did not take down the information.

The two policemen had engaged in violent actions in the center of Geneva, the Swiss city adjacent to Evian, where most of the anti-globalization protests took place. These provocations became the pretext for police attacks on peaceful demonstrators. The Indymedia report gave the names and addresses of the undercover cops as well as their photographs.

Indymedia said it could not be sure that the FBI action was related to the Swiss police exposure "since the order was issued to Rackspace and not to Indymedia." Two other possible motives have been suggested: one relating to the politics of Italy, the other relating to the US elections.

According to some Internet reports, the federal prosecutor for the Italian city of Bologna, Marina Plazzi, has begun an investigation of Indymedia for possible "support of terrorism," claiming a link between the group and attacks on Italian soldiers in the Iraqi city of Nasiriya last November. Plazzi claims to have contacted the FBI as well as the Italian Department of Justice.

Several leaders of the neo-fascist National Alliance party have demanded the outright shutdown of Indymedia, including Alessandra Mussolini, granddaughter of the fascist dictator. National Alliance leader Gianfranco Fini is the deputy prime minister in the coalition government headed by billionaire Silvio Berlusconi, and a fervent supporter of Italian participation in the occupation of Iraq.

According to the International Federation of Journalists (IFJ), which condemned the Indymedia shutdown, this action may be related to a court case heard September 30 in San Jose, California, against some Indymedia activists who helped expose security flaws in the electronic voting machines that will be used by tens of millions of voters in the November 2 US elections.

Aidan White, general secretary of the IFJ, declared, "We have witnessed an intolerable and intrusive international police operation against a network specializing in independent journalism... The seizing of computers and the high profile nature of this incident suggest that someone wanted to stifle these independent voices in journalism."

A representative of the US-based Electronic Freedom Foundation said, "The Constitution does not permit the government unilaterally to cut off the speech of an independent media outlet, especially without providing a reason or even allowing Indymedia the information necessary to contest the seizure."

Reporters Without Borders, an international group defending freedom of the press, also condemned the seizure of computer equipment in an open letter to David Blunkett, the British Home Secretary. The letter declared: "This intervention is the responsibility of the British authorities because it relates to a hosting company operating on their territory. Closure of websites is a serious step, the reasons for which should definitely be made public."

This intervention by American police to shut down antiwar web sites has been widely reported in Europe, with accounts carried in the British Guardian and Independent and by the French news agency Agence France-Presse, among others. But nothing has appeared as yet in the American mass media. This silence only underscores the role of the American corporate media as the accomplice of the Bush administration's attacks on democratic rights, both at home and abroad.

The suggested connection between the Indymedia shutdown and the US elections is especially significant. At the September 30 court hearing in northern California, federal judge Jeremy Fogel ruled in favor of two Swarthmore College students and the Online Policy Group, an Internet service provider that hosts an Indymedia site, in their suit against Diebold Election Systems, a leading manufacturer of electronic touch-screen voting machines.

The two students had web-posted internal Diebold company memos describing flaws in the software of the voting machines that would permit vote rigging and alteration of vote totals. The Online Policy Group was a party to the suit because it served as the Internet service provider for the San Francisco Bay Area Indymedia web site, which posted a link to the memos.

Diebold had brought lawsuits against several other groups that posted the memos, but the two students, active in the Swarthmore Coalition for the Digital Commons, filed a civil suit against Diebold claiming that it had unfairly used provisions of the Digital Millennium Copyright Act.

Judge Fogel ruled that Diebold had violated provisions in the act that make it illegal to knowingly misuse copyright law to stifle free speech. He ordered the giant manufacturer to pay damages as well as court costs and lawyers' fees.

Copyright 2003-2004 Azlan Adnan Legal Notice

Female Libido

What Every Woman Should Know About Improving Her Libido



Copyright 2003-2004 Azlan Adnan Legal Notice

Eight Steps to Having the Relationships You Want...

...and to Taking Control of Every Situation in your Life!
By Terry Rich Hartley, PhD

Like it or not, we are all gladiators. We go to sleep and wake up in a social arena from which there is no escape. Challenges cascade upon us, walls restrain us, and a mob of spectators jeers or cheers us. Each day brings new battles whether we want them or not. Life forces us to face one skirmish after another - no choice in the matter.

What we can choose, though, is which kind of gladiator to be, victor or victim. Being a victim in this social arena translates into having bad relationships. Most people are victims - victims of their own perceptions.

That's because people don't develop and listen to their own unique, authentic self. Rather they allow their mental spectators - those little tyrants rattling around in their heads - to tell them second by second how to fight their battles, what they can and cannot do.

These mental spectators are the memories of the judgments of real-life people. It's the memory of your aunt saying, "I hope you marry someone rich, because you're not going far on brains." It's the echo of your father or coach growling, "You've got a back problem - no spine."

And their influence over your relationships can't be overestimated.

Millions of people accept the judgments of their mental spectators as the truth and, therefore, the mediocre results that come from believing those judgments. With so many people living this way, the question becomes, is this the way I have to live? Fortunately, the answer is not unless you want to.

Once you identify your mental spectators - and your interactions with them - you can move beyond victim and assume the role of victor. What it takes are eight steps for getting command, steps you can apply to most any situation you want altered. You can positively influence your relationships, your employment options, any aspect of your life.

Let's look at the steps.

  • 1. Define What Ails You
    Ask, what's my problem? Am I a jealous weasel, troubled that others have what I want? Am I ticked off most of the time? Am I sad and whiney? Anxiety ridden? Moody? All of the above?

  • 2. Discover the Effects
    Ask, how are my problems affecting my life? Am I a lousy parent, a friendless dork, a backstabber, a drunk, a junkie? Am I none of the above, but someone who is less than I could be?

  • 3. Seek the Source
    Ask, from where are my problems coming? Who are my real and my mental spectators? What do my mental spectators look like, say, and do? Exactly who or what is keeping me from taking command of my life?

  • 4. Identify Your Role
    Ask, how am I contributing to my problems? What is my responsibility in all this? Did I decide to be a garbage disposal? Do I treat myself as a friend or an enemy? Do I allow my mental spectators to drive me to distraction, depression, anger, anxiety?

  • 5. State Your Desires
    Ask, what do I specifically want to do about my problems? Do I want to be a doormat, a drunk, a friendless geek? Or do I want to rule my mental spectators? Do I want to stand up to a spectator, real or imagined, who puts me down? Do I want to take command of my education, my bank account, my relationships?

  • 6. Seek Options
    Ask, what are my options, and in what order should I place them? What is the first option I should concentrate on? The next one and the next? If you have a soul-sucking hangover most mornings, you might opt to give up your booze buddies for some real friends.. If, instead, you're a workaholic and you want to spend more time with your kids, then DO IT.

  • 7. Learn Winning Techniques
    Ask, how do I rule my real and my mental spectators? Must I collapse in a heap when they point thumbs down? How can I learn to take charge on every level? There is no "magic" involved, but you might feel as if there is. Unlike a vanquished gladiator falling at the whim of spectators, you decide your own course.

  • 8. Master Your Relationships
    Ask, what more can I do to master my relationships by strengthening my perceptions? How do I take command right now in developing my own identification and self-worth? Congratulations! You're working on the one person in the entire world you can work on - YOU! And any improvements in yourself can't help but enrich your relationships and the world around you.


  • Although this is only a brief overview of each of the eight steps for jump-starting your relationships and taking control of your life you'd be amazed at how significant the effects of a few minor adjustments in perception can be.

    About the Author
    Dr Hartley is a social psychologist, a scientist, and the author of Tyrants of Self-Concept: Ruling the Rulers, a 125-page ebook that thoroughly describes the eight steps for improving your relationships, taking control of your life, and living the life you want to live. It includes easy-to-relate-to stories, examples, humor, and concrete, practical worksheets and exercises that get results fast. To learn more about how you can apply the steps, click here: www.rulingtherulers.com

    Thursday, October 14, 2004

    Financial Planning

    Wise Tips for Smart Investors

    The Concept of Financial Planning

    The Financial Planning Process

    Financial Calculator
    Financial Planning Software:

  • Child Education Plan
    Use this calculator to check out the money you need for your kids' education.

  • Family Protection Plan
    Use this calculator to check out the insurance you need to provide continuous income for your family.

  • Accumulation Plan
    Use this calculator to check out the money you can accumulate.

  • Retirement Plan
    Use this calculator to check out the money you need for your retirement.

  • Please click The Risk Profiler to find out your risk tolerance and the suitability of various funds to meet your needs.

    Copyright 2003-2004 Azlan Adnan Legal Notice

    Sun in Virgo

    When Azlan Adnan was born, the Sun was in the Sign Virgo, the
    Craftsperson. Azlan Adnan has an infinite desire to improve a
    relationship, and an astonishing capacity to notice every detail about
    the partner and the couple. Living up to one's potentials is high on
    Azlan Adnan's list, and he doesn't easily accept a careless,
    catch-as-catch-can attitude. An ideal mate understands the importance
    of personally fulfilling work in Azlan Adnan's life, and that when he
    isn't content with his job, he may not be very content with anything
    else, including, possibly, the relationship. In return, Azlan Adnan
    may need to recognize that no person, situation or relationship is
    ever perfect, and that there's a point beyond which striving for
    impossible standards can frustrate and alienate the partner.

    Wednesday, October 13, 2004

    What do I need to know about unit trust investments?

    The Basics (Introduction to unit trust)

    Regulatory Framework

    The Benefits (How can I benefit from investing in unit trusts?)

    Why would I want to invest in unit trusts?

    The Benefits (How can I benefit from investing in unit trusts?)

    The Potential Risks
  • What kind of risks am I taking?
  • Managing Risks for the Balanced/Equity Funds
  • Specific Risks Associated with Bond Fund
  • Managing Risks for Bond Fund

  • The Benefits (How can I benefit from investing in unit trusts?)

    Copyright 2003-2004 Azlan Adnan Legal Notice

    Southern Bank Offers Two New Syariah Funds

    News

    11 October 2004

    Bernama

    Southern Bank Offers Two New Syariah Funds

    Southern Bank and its unit trust company, SBB Mutual, will offer customers greater investment options with the launch of the SBB Dana Al-Ikhlas (Ikhlas) equity fund and the SBB Dana Al-Hafiz (Hafiz) bond fund.

    In a statement Monday, the company said that two new Syariah funds were developed in line with the capital market master plan and efforts to establish Malaysia as an international hub for the Islamic capital market.

    With the launch, SBB Mutual is now the largest private Syariah fund provider in the country offering investors a choice of eight Syariah funds with a total approved Islamic fund size of 5.4 billion units.

    Both the funds are now available through all Southern Bank branches and SBB Mutual's agency network.

    Southern Bank had underwritten RM100 million of each of the funds to boost its range of unit trust products in its retail banking business.

    SBB Mutual chief executive officer, Paul Low said: "Ikhlas is an Islamic equity growth fund and a minimum of 70 percent investment will be made in Syariah-compliant stocks which have equally strong qualitative and quantitative fundamentals."

    "The equity fund represents a good long term investment for investors with a tolerance for short term fluctuations and liquidity risks in exchange for long term higher capital gains."

    "As for the Hafiz bond fund, meanwhile is suitable for diversification purposes as bonds by nature have a negative correlation with the equity market. Investors should look at Hafiz as a core holding in their investment portfolio as bonds can reduce portfolio risks," added Low.

    The new funds, he said were designed for investors who prefer greater choice through different market instruments whilst preferring Syariah-compliant investments.

    SBB Mutual is one of Malaysia fastest growing unit trust management companies with a total approved fund size of 15.85 billion units.

    The company manages 26 funds and is also an institutional unit trust distributor for five reputable fund houses.

    MARINE INSURANCE

    from University College London

    Structured by the course Director Dr A Mandaraka-Sheppard,
    Solicitor,
    Head, Shipping Law Unit, UCL, (on sabbatical during 2004-05),
    Founding Director, The London Shipping Law Centre

    Taught this year by a Visiting Lecturer of UCL:
    Peter Macdonald-Eggers, Barrister at 7 Kings Bench Walk

    Course Convenor for this year: Ben Leach, Solicitor

    Introduction:
    This is one of the four postgraduate shipping law courses (the others being Carriage of Goods by Sea, International Trade Law and Admiralty Law). It is also one of two insurance law courses (the other simply entitled Insurance). There is no absolute necessity to combine this subject with the other shipping law subjects, though they provide a useful background for Marine Insurance. Nor is it necessary to take the general Insurance course. Indeed, although it is possible to take both Insurance subjects, there is some overlap between the topics dealt with by each. This suggests, on the one hand, that the two insurance courses complement and reinforce each other but, on the other, a student who wishes not to concentrate on too narrow an area in his studies might well consider not taking both courses.

    Course Aims and Objectives
    The aims of the course are: to enable students to acquire an in depth understanding of difficult legal concepts of Marine Insurance, to analyse case law, to interpret the Marine Insurance Act 1906, and generally to gain legal skills in applying the legal principles to practical situations of claims against the insurer.

    The particular objectives are: to enable students to learn the method of studying common law from decided cases of the English courts; to develop skills in identifying the issues and summarising the principles; to distinguish the principles applicable to a different set of circumstances; to develop a skill of critical analysis and commentary.

    Course Outline:
    Marine Insurance is a specialised Contract law course. It draws on general principles of the English law of contract as well as having contributed to them. Some familiarity with at least some of the main features of the English law of contract and tort of negligence is, therefore, necessary but this can be easily assumed during the course. The framework of much of the relevant law is provided by statute, the Marine Insurance Act 1906 but the relevant statutory provisions are mainly derived from the common law. Problems of statutory interpretation and how these have been, or have been attempted, to be resolved by the courts, will be highlighted during the course.

    The course requires
    (i) a study of the existing law, both in the cases and in the statute;
    (ii) an examination of the standard contract terms that dominate marine insurance in practice; and
    (iii) an understanding of how marine insurance law operates in practice.

    Realistically, theoretical and practical issues must be studied together closely in this course.

    The syllabus includes an examination of general principles and commercial practices. It considers, in detail: insurable interest; types of marine insurance policies; the principle of utmost good faith (disclosure and representations); the role of Lloyd's brokers; the nature and terms of marine insurance policies and additional clauses; warranties; premiums; assignment of policies; insured and excepted perils; causation; types of losses (actual and constructive total losses, partial losses); salvage, general average and particular charges; measure of indemnity and abandonment; mitigation of loss; insurers' rights on double insurance and subrogation; protection and indemnity associations; reinsurance.

    As in the other shipping law courses, the main syllabus is supplemented by extra curriculum events (lectures and workshops) run by the London Shipping Law Centre (www.london-shipping-law.com) as guided by its founding Director. Students benefit from these events in terms of extra knowledge in both the legal and commercial infrastructures of shipping law as well as by having the opportunity to meet with people from the shipping industry. Contact the Centre's manager at UCL for details.

    This course, like all shipping law courses, has been jointly taught at UCL for all students of the University of London since 1993 as co-ordinated by the course Director and Head of the Shipping Law Unit.

    Students are also offered opportunities to visit a ship, the Lloyds insurance market, and a P&I club. They have the additional benefit of practical knowledge by visiting lecturers, experts from the City of London.

    Once students definitely decide to take this course, they will be given a study guide.

    Teaching Method:
    Teaching is interactive and students are expected to prepare in advance and participate fully.

    Method of Assessment:
    Students are guided on exam techniques and are given assignments to practise; but marks of such assignments are not taken into account at the final examination which is a three hour written examination.

    Recommended reading:
    A detailed syllabus and study guide will be given to those who decide to take this course. To familiarise yourself with the subject, you may start reading either the book by Bennett or the one by Susan Hodges on Marine Insurance Law

    INSURANCE (EXCLUDING MARINE INSURANCE)

    from University College London

    Taught by:
    John Lowry and Philip Rawlings, UCL.

    Introduction
    While insurance law is significant in its own right it also plays a critical role in the development of other branches of the law. Insurance contracts obviously underpin commercial transactions, particularly contracts for goods and services (including consumer contracts) and international trade. Insurance law also pervades the policy issues not always openly vowed in the reasoning of the courts when deciding negligence cases and claims for breach of statutory duty.

    The course is designed to provide a critical overview of key elements of the insurance contract (excluding marine insurance). Although we will not be examining marine insurance in its own right, reference will be made to the Marine Insurance Act 1906 and to the case law decided thereunder relevant to non-marine insurance contracts. Where appropriate reference will be made to developments in other common law jurisdictions (e.g. the USA, Canada and Australia) in order to see how insurance law issues may receive different judicial/legislative responses elsewhere.

    Course Structure

    • Elements of insurance – definitions; regulation of insurance business; voluntary controls.

    • Insurable interest – indemnity; life & property policies; joint & composite insurance.

    • Assignment – methods & effects of assignment; rules governing life policies.

    • Formation – common law principles; commencement of the risk; cover notes; renewals.

    • Conflict of laws – jurisdictional issues; the law governing insurance and re-insurance contracts.

    • Reinsurance – basic principles in outline.

    • Utmost good faith – the mutual duty of disclosure; misrepresentation; remedies for breach of duty.

    • Terms – warranties; conditions.

    • Insurance intermediaries – regulation; insurance agents; insurance brokers.

    • Premiums – payment; return.

    • Construction of the policy – rules of construction; specific terms.

    • Causation – doctrine of proximate cause; the assured’s misconduct.

    • The claims process – notification clauses; fraudulent claims; claims co-operation.

    • Resolving disputes – the courts; arbitration; the Insurance Ombudsman Bureau.

    • Indemnity – the indemnity principle; valued and unvalued policies; mitigation of loss and ‘due precautions’ conditions.

    • Reinstatement – contractual reinstatement; reinstatement under statute.

    • Subrogation – the insurer’s rights; allocation of recoveries; prejudicial conduct by the assured.

    • Double insurance – effect of double insurance; contribution between insurers.

    • Liability insurance – general principles; employers’ liability insurance; third party rights.

    • Motor vehicle insurance – the statutory scheme; scope of motor policies.

    Assessment
    Assessment is by way of two components:

    • An essay (5000 words max.) worth 25% of the total marks (submission date – July 1st 2005)

    • An unseen examination worth 75% of the total marks.

    Course texts:

    • John Lowry & Philip Rawlings, Insurance Law: Cases & Materials
      (Oxford, Hart Publishing, 2004).

    • John Lowry & Philip Rawlings, Insurance Law: Doctrines and Principles
      (Oxford, Hart Publishing, 1999; reprinted 2002)

    Introductory reading:

  • Malcolm Clarke, Policies and Perceptions of Insurance
    (Oxford: Clarendon Press, 1997).

  • Additional Reading:

  • John Birds, Modern Insurance Law 5th ed.
    (London: Sweet & Maxwell, 2004).

  • Robert Merkin, Colinvaux’s Law of Insurance 7th ed
    (London, Sweet & Maxwell, 1997)

  • John Birds, Robert Bradgate, Charlotte Villiers, Termination of Contracts
    (London: Wiley Chancery, 1995).

  • Charles Mitchell, The Law of Subrogation
    (Oxford, OUP, 1994).

  • Ray Hodgin, Insurance Law: Text and Materials
    (London: Cavendish, 2002).

  • National Consumer Council, Insurance Law Reform (1997)

  • Reference/ Practitioners Works:

  • Malcolm Clarke, The Law of Insurance Contracts
    (London, Informa, 2002)

  • Nicholas Legh-Jones et al, MacGillivray on Insurance Law 9th ed.
    (London: Sweet & Maxwell, 1997) + supplements. A new edition is due November 02.

  • Sweet & Maxwell, CCH and Informa (LLP) also publish a range of loose leaf practitioners’ texts.

  • Journals:

  • Needless to say you are advised to regularly monitor the journals - especially Lloyd’s Maritime & Commercial, the Journal of Business Law, the Modern Law Review, the Law Quarterly Review, etc.

  •  

    Tuesday, October 12, 2004

    Malaysian Drivers

    1. One hand on wheel, one hand on horn: IPOH driver

    2. One hand on wheel, one hand out the window with cigarette: KEPONG driver.

    3. One hand on wheel, one finger out window, cutting across all lanes
    of traffic: DOWNTOWN KUALA LUMPUR driver.

    4. One hand on wheel, one hand on parang, foot solidly on accelerator:
    JOHOR driver.

    5. One hand on wheel, one hand on non-fat double decaf cappuccino,
    cradling cell phone, brick on accelerator, hands-free on the lap:
    BANGSAR driver.

    6. Both hands on wheel, eyes shut, both feet on brake, quivering in
    terror: FOREIGNER, driving in MALAYSIA.

    7. One hand on 12 oz. double shot latte, one knee on wheel, talking on
    cell phone, foot on brake, mind on radio game, banging head on
    steering wheel while stuck in traffic: SUBANG JAYA DRIVER... on the
    Federal Highway!!!

    8. One hand on wheel, one hand on passengers head rest, alternating
    between both feet being on the accelerator and both feet on brake,
    throwing rambutans or durian shells out the window: KARAK HIGHWAY
    KUANTAN driver.

    9. Four-wheel drive pick-up truck, READY-TO-KILL attitude, rear window
    stickers read "Make my day", beer cans on floor, wedding ribbon still
    attached to antenna: CONSTRUCTION SITE PUCHONG driver!

    10. One hand on the handphone, another hand picking nose, One leg on
    the dash board, another leg crossed on the seat with a beer can in the
    middle ~ turning anywhere he likes, parking anywhere he likes, in
    fact, driving anywhere he likes. aaahhh... this is a heaven for
    drivers... welcome to PENANG!

    11. Two hands gripping tightly to the wheel, eyes glued on the
    windscreen, alternately stepping on the accelerator and brakes every
    five seconds. WOMAN DRIVER!

    Doa Nabi Yunus

    Assalamualaikum wbt

    Kalau berita 'lain' mudah hantar, harap yang di bawah ni pun boleh hantar kepada member-member lain juga. JGN DELETE walaupun sebelum ni dah pernah terima email macam ni dan juga dah pernah fwd pada kengkawan. Kerja baik buat selalu pun tak per..

    Doa Nabi Yunus semasa terperangkap di dalam perut Ikan Nun...

    LAA ILA HA ILLA ANTA SUBHANAKA INNI KUNTU MINAZ ZHALIMIIN

    (Surah Anbiyak)

    Kirimkan kepada 10 orang, insyaallah Allah akan memecahkan segala kesulitan dan kebuntuan mu!


    Salam.