Never become a Guarantor

28 03 2010

Financial institutions may require guarantees from prospective borrowers to enhance the borrower’s credit standing and enable them to obtain financing.
If someone names you as a guarantor, you are legally bound to pay back the loan or balance there of if the borrower cannot or will not pay.

You must always reject to become a Guarantor. No matter what the banker or the guarantee (the person asked you to sign the guarantor agreement) said. Even the person said he / she will be killed by the loan shark or commit suicide if cannot get the bank loan because you don’t sign and become a guarantor.

Sometime, it is not a guarantor for the bank loan. It could be an agreement.

About 6 years ago, a close friend (now no more) named Ah Keat want to apply for a job in one of the largest furniture manufacturer in Sabah. His job position is Sales Representative for the company. The boss requested him to get a guarantor to sign for his job contract. He called me and begged me to sign so that he can get the job. I help him so I signed it without further investigate what are the risks of signing it.

After about 1 month, another friend of mine who know this Ah Keat told me that this Ah Keat was addicted to slot machine and gambling. Then I told him this Ah Keat asked me to sign as a guarantor for his job contract. Then he immediately advised me to cancel this agreement. I told one of my church member about this issue. The church member also advised me to cancel it and asked me to asked another church member (a lawyer) to help to draft a letter to request to stop being a guarantor for this Ah Keat. So I do so and fax the “legal” letter to Ah Keat’s boss.

The next day, this ah Keat called me and scold me on the phone. He said he was fired because I don’t want to become his guarantor. I told him to find another person to become his guarantor since his social network very wide. He hang up.

Few days later, I heard that his boss lodge a police report against him.

Then after a while, more news about this guy….he borrow money from so and so….and the total amount that he borrowed reached RM300k.

Not long after, the real story finally disclosed.

Actually, when I faxed his boss the letter to request to cancel as a guarantor. His boss started to investigate this Ah Keat. Thats a normal procedure because there must be a reason for someone to stop being a guarantor. Then the boss found out that this Ah Keat had collected large sum of money from the clients but he never submitted to the company. That amount could be RM300k or so. So we guess he must had loss all to the slot machine and gambling. And the money he borrowed from his friends and church members (he had been a Christian since young) total more than RM300k. We estimated about RM500k. However, he didn’t used those money to pay back his boss. He used them to play slot machine in a hope that he can strike jackpot and pay back all his loses.

Then, he ran away and hide. We heard from his ex-wife that the loan shark came to his house everyday. He had borrowed money from more than 20 different loan sharks companies. So they divorce so that the loan sharks will not disturbed her.

We heard that he ran to Papua New Guinea….then Indonesia…then Philippine…then Taiwan…..but sometime I still met him in Kota Kinabalu. Seems like he is hiding but not ran too far away.

What is the story about?

If I never faxed the letter of cancellation, I maybe the one who being sued and asked to paid that RM300k. And I for sure bankrupt as I do not had that amount of money. I’ll be the one who ran away and hide. For your information, I just married not long ago before he asked me to sign to become his guarantor. This also means that my marriage life will be broken too. In a simple word, this Ah Keat will destroy my whole life completely.

Had you understand the risk of become a guarantor? No matter what is your relationship with that person. Family members, close friend or someone you love and trust. Do not become a guarantor no matter what.

Unless you are millionaires who never bother of losing some money…

Hakka song – 海边看飞机场

17 03 2010

词曲编唱 – 畑龙

一个人在Tg. Aru, 看到好多人在拍拖
一粒椰子两条straw, 嘴角还咬着木瓜酸
想到那天你和我讲, 你决定跟他去英国
终于有机会跟他滑雪, 还可以看看外国的月亮

其实我好多话想跟你 说, 放在心里真是口难开
二十年来没跟你说, 晚晚夜夜长长发开口梦才讲!

我真是中意你, 可不可以不要去英国
我真是中 意你, 可不可以不要跟那条啉死

是说你想坐飞机, 不如我带你去近近地
反正翻开报纸都有零票, 两间航空公司斗到要死
槟 城JOHOR吉隆坡.随便你说, 我立刻上网
要就快点, 迟就没罗! 零票book完, 我就冤枉!

其实我好多话想跟你说, 亚庇是一个好好住的地方
多年来鬼老都来观光上神山过pulau去3rd beach晒月光!

我真是中意你, 可不可以不要去英国
我 真是中意你, 怕你睡觉冷到没盖被
我还是中意你, 英国吃不到亚庇生肉面
我真是中意你, 最好还是不要离开亚庇
因为没你在身边我 会死

Holiday in Sabah (North Borneo)

17 03 2010

Sabah is a Malaysian state located on the northern portion of the island of Borneo. It is the second largest state in Malaysia after Sarawak, which it borders on its south-west. It also shares a border with the province of East Kalimantan of Indonesia in the south. In spite of its status as a Malaysian state, Sabah remains a disputed territory; the Philippines has a dormant claim over much of the eastern part of the territory. The capital of Sabah is Kota Kinabalu, formerly known as Jesselton. Sabah is known as “Sabah, negeri di bawah bayu”, which means “Sabah, the land below the wind”, because of its location just south of the typhoon-prone region around the Philippines.

More information at

Web Hosting Sabah – Sabah top web hosting company

17 03 2010

Sabah is a peaceful place where different ethnic live together in harmony.

KKBOSS Datacenter is one of the most active web hosting companies in Malaysia. Currently hosting many important websites from companies in Malaysia, Singapore and USA.

Contact Mr. Joseph to find out more

Use your Gmail to send and receive email for

17 03 2010

Our hosting service allow you to setup your Gmail to send and receive email for your email address hosting with us.

Let say, your email address is . So you can create a Gmail account and then setup it to send out email using your email address “”. Cool right?

Find out more here

Unlimited websites hosting & disk space

17 03 2010

We offer unlimited disk space for your website and email storage.

No more worry for the email mailbox full !

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Are you looking for unlimited hosting disk space for your website or email?

17 03 2010

We offer unlimited disk space for your website and email storage.

No more worry for the email mailbox full !

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霎時感動 – 幸福的味道 (The taste of happiness)

16 03 2010

Are you happy? Are you still searching for happiness? What do you want in your life?

Jill Price – The Woman Who Could Not Forget

11 03 2010

Jill Price (born December 1965 in New York City) has an extraordinary memory that has stunned scientists. In 2006, her overdeveloped memory was described in a scientific journal article, “A Case of Unusual Autobiographical Remembering.” Price has no special aptitude for memorizing lists of words, numbers, facts, or languages. But she does remember what happened to her on any given day over the last 30 years. Name any date and Price will tell you what day of the week it was, the weather, what she had for breakfast, the TV programs she watched, and the people she spoke with.

Few of us have a memory like that. That’s why we need reminders to complete simple tasks and keep our appointments. This is especially true when it comes to spiritual truth. The apostle Peter showed he understood the need of spiritual reminders when he wrote: “I will not be negligent to remind you always of these things . . . . Yes, I think it is right . . . to stir you up by reminding you . . . . Moreover I will be careful to ensure that you always have a reminder of these things” (2 Peter 1:12-15).

No matter what kind of memory we have, we need to be reminded of biblical principles. Daily Bible reading, small group studies, and involvement in a local church can all help us to remember God’s vital truths.  —Dennis Fisher

Remembering the Word of God
Does not come naturally;
We need reminders to fulfill
What God wants us to be. —Sper

Let God’s Word fill your memory, rule your heart, and guide your steps.

Matt Cutts: Google Probably Won't Call PageRank Something Else

7 03 2010