I received a letter from CIMB about 2 weeks ago, offering an insurance policy to protect our house from landslides. Another junk mail I thought, so I chucked the letter into the recycle bin without a second thought. Then my wife picked it up and noticed that there is an "Opt Out Instruction Form" at the bottom.
On closer inspection, the letter actually states that if I do not sign and return the "Opt Out Instruction Form", the additional protection will be automatically included into my insurance policy.
Something is clearly not right here. Why should I have suffer the inconvenience of having to go to a post office to cancel something that I did not asked for. If somehow I missed it - as I almost did, I will be charged additional fees for something that I do not need. Most of us will not even notice the increase in premiums when the insurance fee is charged to the account.
So I called up the help line:
Operator: Which branch did you open you account? You will have to call your branch and they will help you to sort it out.
Me: No, I don't want to make another call. You mean it is not originated from HQ, and HQ has no control over your branches? If that is the case I want to lodge a report against the branch for unethical practices ...
So I got the operator to take down my details, and got her to promise to sort it out for me. A few minutes later, the operator called back.
Operator: This is their number, XXXXXXXXX. Please give them a call tomorrow ...
Me: Who are 'them'?
Operator: Allianz General Insurance Company ...
Me: No I don't want to call Allianz. As far as I am concerned, my housing loan is with CIMB, with the insurance and insurer pre-arranged, I don't even have a say on that. The letter is issued by CIMB. I hold CIMB responsible for this...
------------------------------
I got the operator to promise to sort it out for me. But to be sure, I will still post the 'Opt Out' form. It's a 10 minutes walk to the post office for me, but such is life in Malaysia.
This is definitely an unethical business practice. I can bet you that many people will simply chuck the letter away - and ended up paying a premium for something that they do not need. Most will not even notice the premium increase!
I am contemplating lodging a report to the consumer association.
Sunday, April 26, 2009
Thursday, April 23, 2009
Chicken ala Carte
This is the winner of 56th Berlin Film Festival for best short story, it is also the most viewed entry at Culture Unplugged.
The backdrop of the story is poverty and imbalance in wealth distribution, but the essential message is the simple love and caring in the humblest circumstance.
This is a simply story, an everyday happening right at our backyard. But one cannot help but be touched, because the unnamed impulse to love and to share is inherent in all being, always yearning to break free. And loving and caring for one another does not require a lot of material resources.
This is the type of heart awakening that is require to turn around the profound crisis that humanity is facing now. I think this film will make an excellent theme for the people power movement.
Tuesday, March 17, 2009
An Unsuppressable Defiance
The Chinese government began a new internet censorship campaign last year called "Harmony", ostensibly aimed at combating "vulgarity and pornography" on the Chinese web. However, it has been used most often to shut down Blogs and discussion forums (like this one), including those that only mildly criticize the government.
So enter the "Grass-Mud Horse", or "Cao-ni-ma". Here are some popular depictions:
As you can see, there are even cute Grass-Mud-Horse dolls, and now there is a music video with Chinese children singing:
There is a herd of Grass Mud Horses
In the wild and beautiful Ma Le Desert (Gobi Desert)
They are lively and intelligent
they are fun-loving and nimble
They live freely in the Ma Le Desert
They are courageous, tenacious, and overcome the difficult environment
Oh lying down Grass Mud Horse
Oh running wild Grass Mud Horse
They defeated river crabs in order to protect their grass land
River crabs forever disappeared from Ma Le Desert
...Well, as it goes in Chinese, "Grass-Mud-Horse" is legal to say, of course, but "Cao-ni-ma(草泥马)" also sounds like "F*** your mother". And "River Crabs(河蟹)" sounds like "Harmony(和谐)" (the government's censorship program)! The "Ma Le Desert(马勒戈壁Gobi Desert)" is "your mother's private part".
This all "loses a lot in the translation" but in Chinese it is hilarious, especially when it sounds like children are singing about a cute horse that just wants to be free.
The Cao-ni-ma movement is spreading like wild fire in China. Top intellectuals and artists are getting involved. Many variations of the song appeared and are sang publicly. There are also many artistic renderings, toys, dolls etc.
The intended meaning of the punt may seems to be vulgar, but one simply could not help cracking up at its cleverness. What came across is the purity, innocence, humor and ingenuity. It defies any form of tyrannical suppression. It made a mockery of the oppressors. It is simply an unstoppable force of truth that will touch many hearts and souls.
Such is people power at its best. This is the type ingenuity and purity required to break through the dense darkness that is enveloping the world at present.
We are going to need something like this urgently in Malaysia. The recent development in Malaysia politics sent chills up my spine. I can feel that the Barisan Nasional machinery will stage an all out onslaught on Pakatan Rakyat with end game brutality, until it is beaten lifeless like Kugan.
With the Barisan Nasional government subjugation of the Executive, Judiciary, Legislative and Police institutions. People power is all that we have to protect our hard won fledging democracy. Direct righteous confrontations will have it place. But I believe we will need something pure and humorous like Cao-ni-ma to diffuse the darkness of the situations and to reach out to the masses.
Cao-ni-ma is light years ahead of our "Altantuya Mongolia" song (sang in the tune of "When the Saint go marching in"). I am sure that we have enough talent to match this. I will personally donate RM 100, plus do a personal fund raiser with my old boys association to anybody who can create something that matches Cao-ni-ma. Maybe something about a crocodile named Isa. Any takers?
People Power shall prevail. Our inherent unity shall prevail. This is the time for it. This is the only force that can righten the profound ills in our world today.
Before I pen off, I would like to offer to the following:
"Something new must emerge ..... A new mode of social contract ...., an egoless mode ...... based on cooperation, tolerance and universal participation and accountability. " Adi Da, Not-Two IS Peace
So enter the "Grass-Mud Horse", or "Cao-ni-ma". Here are some popular depictions:
As you can see, there are even cute Grass-Mud-Horse dolls, and now there is a music video with Chinese children singing:
There is a herd of Grass Mud Horses
In the wild and beautiful Ma Le Desert (Gobi Desert)
They are lively and intelligent
they are fun-loving and nimble
They live freely in the Ma Le Desert
They are courageous, tenacious, and overcome the difficult environment
Oh lying down Grass Mud Horse
Oh running wild Grass Mud Horse
They defeated river crabs in order to protect their grass land
River crabs forever disappeared from Ma Le Desert
...Well, as it goes in Chinese, "Grass-Mud-Horse" is legal to say, of course, but "Cao-ni-ma(草泥马)" also sounds like "F*** your mother". And "River Crabs(河蟹)" sounds like "Harmony(和谐)" (the government's censorship program)! The "Ma Le Desert(马勒戈壁Gobi Desert)" is "your mother's private part".
This all "loses a lot in the translation" but in Chinese it is hilarious, especially when it sounds like children are singing about a cute horse that just wants to be free.
The Cao-ni-ma movement is spreading like wild fire in China. Top intellectuals and artists are getting involved. Many variations of the song appeared and are sang publicly. There are also many artistic renderings, toys, dolls etc.
The intended meaning of the punt may seems to be vulgar, but one simply could not help cracking up at its cleverness. What came across is the purity, innocence, humor and ingenuity. It defies any form of tyrannical suppression. It made a mockery of the oppressors. It is simply an unstoppable force of truth that will touch many hearts and souls.
Such is people power at its best. This is the type ingenuity and purity required to break through the dense darkness that is enveloping the world at present.
We are going to need something like this urgently in Malaysia. The recent development in Malaysia politics sent chills up my spine. I can feel that the Barisan Nasional machinery will stage an all out onslaught on Pakatan Rakyat with end game brutality, until it is beaten lifeless like Kugan.
With the Barisan Nasional government subjugation of the Executive, Judiciary, Legislative and Police institutions. People power is all that we have to protect our hard won fledging democracy. Direct righteous confrontations will have it place. But I believe we will need something pure and humorous like Cao-ni-ma to diffuse the darkness of the situations and to reach out to the masses.
Cao-ni-ma is light years ahead of our "Altantuya Mongolia" song (sang in the tune of "When the Saint go marching in"). I am sure that we have enough talent to match this. I will personally donate RM 100, plus do a personal fund raiser with my old boys association to anybody who can create something that matches Cao-ni-ma. Maybe something about a crocodile named Isa. Any takers?
People Power shall prevail. Our inherent unity shall prevail. This is the time for it. This is the only force that can righten the profound ills in our world today.
Before I pen off, I would like to offer to the following:
- A Cao-ni-ma to Be End, let its ending come swift and painless.
- Two Cao-ni-ma to um....No. Lets banish this rotten no-no to Ma Le Desert.
- Three Cao-ni-ma to stinky Najis and Rosie Mama, direct from Ma Le Desert, the homeland of Altantuya. Lets Cao-ni-ma prevail till justice is served.
"Something new must emerge ..... A new mode of social contract ...., an egoless mode ...... based on cooperation, tolerance and universal participation and accountability. " Adi Da, Not-Two IS Peace
Sunday, February 8, 2009
Oh Najib, what have you done?
One of my favorite jokes goes like this: If 2 Malays get together, they will form a political party. If 3 Indians get together, they will form a workers union. If 4 Chinese get together, they will ---------- play mahjong!
The joke is innocent enough, but poignantly illustrates a maddening trait of the Chinese race. The Chinese as a race has gone through an un-proportionally high number of man made and natural calamity in its span of history. This cultivates the pervasive mind-your-own-business and keep-peace-at-all-cost mentality. You can insult them as being squatters, threaten them with a weapon, they will swallow the insult as long as there is some bread crumbs left for them to make a living.
It is virtually impossible to motivate the Chinese to do anything other than making money, as 50 years of DAP struggle can testify. The 308 tsunami got them somewhat excited. But even so you won’t see many Chinese in various rallies and anti-government protests. Their first instinct is to protect the rice bowl. There is nothing you could do to get them away from their comfort zone. But all of that changed over the past few days, with the unfolding of the coup in Perak.
Najib may seem to have won the battle in Perak, but he made a very serious tactical mistake. It can prove to be a very deadly mistake indeed. Najib, being so immersed in the Malay Ultra culture surrounded by yes-man Chinese, is completely unaware of a taboo; an un-crossable line in the Chinese psyche. In his desperation to gain back some morale after a string of humiliations he committed the worst offence in the eyes of Chinese.
The Chinese are not what they seem on the surface. Nobody is what they seem on the surface for that matter. Whatever a certain character trait is overtly demonstrated on the surface, you can be sure that the complete opposite is lurking in the shadow. The seemly peace loving Chinese are not all that benign under the hood. It can be seen in the pervasive triad culture, the kung fu culture, the patriotic literature, even in its religion. The most popular god for Chinese is not Buddha the transcendental one; not Guan Yin the goddess of mercy; but Lord Guan, the god of war, the legendary general revered for his absolute loyalty and righteousness.
The bloody history of China was spotted with numerous upraising against foreign invaders and tyrants and oppressors. The secret societies’ heroic deeds are enshrined in literature and folklore, and the virtues of righteousness and absolutely loyalty sworn with blood are deified in Lord Guan. By the same token the traitors that sold out their own race are similarly enshrined in history to be cursed for eternity. Such is the dark hidden aspect of the Chinese psyche. The Chinese have no qualms about shaking hands with you even if you are a murderer. Money comes first; the rest is none of their business. But betrayal, especially betrayal of the race is an absolute taboo, an unforgivable sin.
Najib, in his haste to win Perak, has created one such unforgivable sinner in the person of Hee Yit Foong. In doing so he put himself in the position of a corrupt tyrant. The stage is set and all the actors in place: the villain Najib, the traitor Hee, and the unexpected rise of Nazir as the grassroot kung-fu hero. The racial memory is awakened and the Chinese finally united and up in arms for an epic struggle. PAS and DAP comradeship was never so strongly cemented.
Well done Najib, you managed to achieved what DAP could not do in the past 50 years. The hatred for Hee will be forever tied to you. No amount of sweet talk can get you out of this. No amount of money can buy you out of this. I am not sure how the collective hatred will manifest, but it will be a very ugly reality for you. It will be as dirty as the techniques you used to siege Perak.
Look at it objectively; the coup in Perak is really only a storm in the tea cup. It is nothing close to the Manchurian invasion or the Japanese occupation. Is the hatred projected to Hee Yit Foong really justified? There are 4 assembly men/women who deserted Pakatan Rakyat, why the exclusive focus of hatred to Hee?
But human beings hardly ever act rationally. The mob emotion is a very dangerous beast. This incident is the proverbial last straw that breaks the camel back. What got released is a deluge of pent up anger, frustrations, hatred and what not. There is nothing rational about it. But the despicable intrigue that Najib played to topple the Perak government was equally irrational and unjustified. It was completely uncalled for in the current global climate. The blatant disregard of the wish and feelings of the people was a form of wanton selfishness. Such irresponsible act will prove to have a very destructive effect for both the Prime Minister to be and to Barisan Nasional.
I would have loved to see the incarnation of a culture of tolerance and cooperation where all these ugly memories can be put to rest forever. I would have loved to see Barisan Nasional stand strong and lead the country out of the epic crisis that is already at our doorstep. But the rampant corruption in Barisan Nasional had not given me any hope yet. It has been getting from bad to worst for all that I see.
My support for Pakatan Rakyat is not because of the historical ideologies of the respective component parties. The rather unexpected victory in 308 has forced the three parties – PAS, PKR and DAP - to go through thorough transformations to adapt to the new roles they have to play. My support is a way of facilitating the transformation so that it can become vehicle for our common survival in the current global crisis. I will give myself in completely for that.
This is a time of reflection for all, not for rash actions. There are a lot of questions to ponder. Why would Hee Yit Foong, who dedicated 28 years of her live with DAP, made such an irrational decisions? Her action is akin to suicide. Her actions is destructive to herself, to the parties she sworn allegiance to and to the people that she pledged to represent. It is a grotesque and tragic manifestation of uncontrolled egoity, much like the destructive game that Najib is playing now but in different flavor. This is a complex question. I will write more about it later.
Is the battle lost for Pakatan Rakyat in Perak? May be. But I think the war is only just beginning to warm up.
“The Chinese are sons of Adam. The Malays, too, are sons of Adam” Nik Aziz Nik Mat
"Something new must emerge ..... A new mode of social contract ...., an egoless mode ...... based on cooperation, tolerance and universal participation and accountability. " Adi Da, Not-Two IS Peace
"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the only thing that ever has." Margaret Mead
The joke is innocent enough, but poignantly illustrates a maddening trait of the Chinese race. The Chinese as a race has gone through an un-proportionally high number of man made and natural calamity in its span of history. This cultivates the pervasive mind-your-own-business and keep-peace-at-all-cost mentality. You can insult them as being squatters, threaten them with a weapon, they will swallow the insult as long as there is some bread crumbs left for them to make a living.
It is virtually impossible to motivate the Chinese to do anything other than making money, as 50 years of DAP struggle can testify. The 308 tsunami got them somewhat excited. But even so you won’t see many Chinese in various rallies and anti-government protests. Their first instinct is to protect the rice bowl. There is nothing you could do to get them away from their comfort zone. But all of that changed over the past few days, with the unfolding of the coup in Perak.
Najib may seem to have won the battle in Perak, but he made a very serious tactical mistake. It can prove to be a very deadly mistake indeed. Najib, being so immersed in the Malay Ultra culture surrounded by yes-man Chinese, is completely unaware of a taboo; an un-crossable line in the Chinese psyche. In his desperation to gain back some morale after a string of humiliations he committed the worst offence in the eyes of Chinese.
The Chinese are not what they seem on the surface. Nobody is what they seem on the surface for that matter. Whatever a certain character trait is overtly demonstrated on the surface, you can be sure that the complete opposite is lurking in the shadow. The seemly peace loving Chinese are not all that benign under the hood. It can be seen in the pervasive triad culture, the kung fu culture, the patriotic literature, even in its religion. The most popular god for Chinese is not Buddha the transcendental one; not Guan Yin the goddess of mercy; but Lord Guan, the god of war, the legendary general revered for his absolute loyalty and righteousness.
The bloody history of China was spotted with numerous upraising against foreign invaders and tyrants and oppressors. The secret societies’ heroic deeds are enshrined in literature and folklore, and the virtues of righteousness and absolutely loyalty sworn with blood are deified in Lord Guan. By the same token the traitors that sold out their own race are similarly enshrined in history to be cursed for eternity. Such is the dark hidden aspect of the Chinese psyche. The Chinese have no qualms about shaking hands with you even if you are a murderer. Money comes first; the rest is none of their business. But betrayal, especially betrayal of the race is an absolute taboo, an unforgivable sin.
Najib, in his haste to win Perak, has created one such unforgivable sinner in the person of Hee Yit Foong. In doing so he put himself in the position of a corrupt tyrant. The stage is set and all the actors in place: the villain Najib, the traitor Hee, and the unexpected rise of Nazir as the grassroot kung-fu hero. The racial memory is awakened and the Chinese finally united and up in arms for an epic struggle. PAS and DAP comradeship was never so strongly cemented.
Well done Najib, you managed to achieved what DAP could not do in the past 50 years. The hatred for Hee will be forever tied to you. No amount of sweet talk can get you out of this. No amount of money can buy you out of this. I am not sure how the collective hatred will manifest, but it will be a very ugly reality for you. It will be as dirty as the techniques you used to siege Perak.
Look at it objectively; the coup in Perak is really only a storm in the tea cup. It is nothing close to the Manchurian invasion or the Japanese occupation. Is the hatred projected to Hee Yit Foong really justified? There are 4 assembly men/women who deserted Pakatan Rakyat, why the exclusive focus of hatred to Hee?
But human beings hardly ever act rationally. The mob emotion is a very dangerous beast. This incident is the proverbial last straw that breaks the camel back. What got released is a deluge of pent up anger, frustrations, hatred and what not. There is nothing rational about it. But the despicable intrigue that Najib played to topple the Perak government was equally irrational and unjustified. It was completely uncalled for in the current global climate. The blatant disregard of the wish and feelings of the people was a form of wanton selfishness. Such irresponsible act will prove to have a very destructive effect for both the Prime Minister to be and to Barisan Nasional.
I would have loved to see the incarnation of a culture of tolerance and cooperation where all these ugly memories can be put to rest forever. I would have loved to see Barisan Nasional stand strong and lead the country out of the epic crisis that is already at our doorstep. But the rampant corruption in Barisan Nasional had not given me any hope yet. It has been getting from bad to worst for all that I see.
My support for Pakatan Rakyat is not because of the historical ideologies of the respective component parties. The rather unexpected victory in 308 has forced the three parties – PAS, PKR and DAP - to go through thorough transformations to adapt to the new roles they have to play. My support is a way of facilitating the transformation so that it can become vehicle for our common survival in the current global crisis. I will give myself in completely for that.
This is a time of reflection for all, not for rash actions. There are a lot of questions to ponder. Why would Hee Yit Foong, who dedicated 28 years of her live with DAP, made such an irrational decisions? Her action is akin to suicide. Her actions is destructive to herself, to the parties she sworn allegiance to and to the people that she pledged to represent. It is a grotesque and tragic manifestation of uncontrolled egoity, much like the destructive game that Najib is playing now but in different flavor. This is a complex question. I will write more about it later.
Is the battle lost for Pakatan Rakyat in Perak? May be. But I think the war is only just beginning to warm up.
“The Chinese are sons of Adam. The Malays, too, are sons of Adam” Nik Aziz Nik Mat
"Something new must emerge ..... A new mode of social contract ...., an egoless mode ...... based on cooperation, tolerance and universal participation and accountability. " Adi Da, Not-Two IS Peace
"Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it is the only thing that ever has." Margaret Mead
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