Thursday, April 29, 2010

Ajar lar anak kepentingan menyimpan duit

Warren Buffet teaches kids to save money.. How about us?? Read this link


The most important point is to "Teach kids good financial habits early on, so they won't have to learn the lessons later through expensive experiences."

NOTE: I am a Unit Trust Consultant. My job is to encourage people to save money for their future expenses, retirement, child education and others. If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65

Wednesday, April 28, 2010

Rakyat Malaysia mudah tertipu!

Termasuk lar aku pada suatu ketika dulu.. :(

I get this from this link.. http://www.kampunginvestor.com/latest-scams-in-malaysia/

Well.. couple of years back before I knew the benefit of savings in Unit Trust... i was one of the people who want to get fast money.. personally, it was not because I want to be rich quickly.. but more to..  I need the extra money to sustain our expenses.. damn!!! I was wrong... luckily.. we this scam have been highlighted by the media.. and just a week ago.. we receive a cheque.. well we didn't get everything but at least some portion...i guess u know what scam was that.. cause it was the only scam that the government took serious action and the investor get the money (some of it) back..


Below are a list of scams that are circulating in Malaysia and i hope you people out there will be aware of it.

The Cafe Scams

Island Red Cafe and Stevens Corner(strange, both in Pandan Indah) - Island Red Cafe collects members RM6,000 each and promised 5% return every month and even give you a name in the ROC as a shareholder but what’s the point when they run away? Stevens Corner, the famous Indian coffee shop follows due to drop of business since their renovation.
They collect RM3,000 per member and promise return of RM150 monthly and plans to open nice franchisee cafe called Stevens Tea Garden. Someone mentioned they will make you sign an agreement that give them the rights NOT to pay you anything in future. If you really wish to join, ask for a copy of their agreement and consult your lawyer BEFORE paying them.
Bet you will NOT get a copy. Both collect monies from new members with MLM recruitment schemes and pay the old members like Sunshine Empire. You never know when they will run away.
I couldn’t understand why when i was writing on Island Red Cafe scam and cheat money and Island Red Cafe more like a ponzi to me, a reader by the name Penang Tionghua (If you remember who he was) was defending them like Island Red Cafe was doing great.
I guess, Penang Tionghua wouldn’t dare come here again to defend his Island Red Cafe anymore!

Sunshine Empire

This licensed and legal Company has an impressive office at the ground level of KUB building along Jalan Yap Kwan Seng, near Menara Public Bank and AmBank Building. They also have a showroom office at the ground level in the next building. 2 or 3 months ago, Singapore’s Straits Times and The Paper published big news reminding their people to be careful and NOT to believe in them. Hope someone can put up the link or Google for it.(As expected, they STOPPED paying back members now and all investors LOST their money).
Someone below has put a link to the Singapore news. In fact there are more to it. Although Singapore is investigating them, they did not stop their business as the business is legal and so far, no Singaporean have failed to receive their commissions as promised. Thus, the government cannot stop them yet.
The news published that the founder, director and group president is someone named James Phang but he is NOT the owner. Isn’t this quite strange ? At the end of the game, James Phang can just disappear from the Company easily and claimed that he was just “employed”. Such trick always happened in scam businesses.
Now, the Company has STOPPED paying commissions and interests to members with the excuse that the Singapore government has freeze their bank account while under investigation. Do you think their boss will be so stupid to keep much monies in the bank to be freeze ? They are all transfered away. It’s just an excuses not to pay back to members and members are only paid “e-bonus-points” which is cashless. If they wish to convert to cash, they have to recruit new members to pay them cash and the recruiter less out trom the amount. So victims act like Vampires and “forced” to victimize other victims if they wish to get their monies back. And their victims will later transform to vampires and the scam carries on…..

MOBILWALLET

This Company owned by 2 young men, Stanley & Rey Gan, office in Queens Avenue Park has collect multi-millions the last 2 years. Claimed that they tied up with Telekoms, Utility Board payment like Water & Electricity bills, even Maybank got fooled by them. Advertisement Billboards everywhere. They STOPPED paying back their members few months ago and the members cannot do anything because they are made to sign an agreement unaware that they have to claims if the company stopped paying them by CHANGING terms and policies.

Water businesses

Oxygenated and alkaline water products - Some of these are bottled water and some are filters or equipment that claimed the trick. One of the better known Company that sold “oxygen” water is SITO(supposed to stand for Selangor International Trading Organization and claimed Selangor State Government owned some share in it). The key person and founder is a Dato Robert Ong from Rawang but his name is no longer in the business now. Their products are sold for RM2 to RM3 for a 350ml bottle and now concentrating mostly in the Indian market. Their Chinese and Malays market are long gone since a year or 2 ago. Their customers are made to believe that their water has more oxygen and able to give miraculous effects for the body. Water is H2O, how to put more O into it ? Anyone knows how much oxygen do we breathe into our body everyday at FOC ? Latest news is that this SITO Company is going to create new label to market under a new Company since the SITO name has already gone bad. Someone informed that this Company is owing a lot of money(due to refunds) to ex-stockists but just refuse to pay them.
(Latest news, SITO shifted to another place and their MLM business has closed but planning to start again with a different name, beware !!)
Alkaline Products - Can anyone explain how it can work for the body ? The stomach’s gastric liquid is so acidic that water of any pH that goes through it will not make any difference.

Car Fuel Booster

K-Link, the famous scam MLM Company that sold the foot patch TAKARA, later the “cock-ring” and energy-card launched the patrol-saving pills last year. Got so hot that even grocery shops are selling for them. Recently many of these cars that used the pills are rushing to the workshops to clean the residual. Few months ago, another MLM Company launched a fuel booster gadget, claimed that saves up to 20% fuel, that is attached to the cigarette lighter. Started off well using binary plan but businese begin to fade now and most users find it NOT effective.

Perfumery Products

(eg. Lampe Berger & Bel Air)(more details later). Lampe Berger is not so hot now in the neighboring countries but there are still new victims every month in Malaysia. Must thanks to those who have contributed and kept the thread alive here in Kopitiam. Bel-Air have closed in Malaysia. LB is almost zero in Singapore. This perfumery product from France with over 100 years history are just bottles and fragrances(check the factory’s website) but the Company marketing them in Asia claimed “aromatheraphy” products. Hong Kong TVB aired a program that exposed their scam but their members claimed that HK’s TVB already apologized to them(no evidence, of course). Note that the biggest strenght in a MLM Scam is their members will go all the way to lie in order to defend for their Company. The reason is simple; these members fear that they will not be able to make their money back if the Company collapsed. Knowing that the Lampe Berger products are moving slow, they add a line of skincare products named Estebel, also claim to have over 100 years history in France.(Hardly anymore Chinese newcomers, they are now tapping the Malays in Malaysia). Mostly only Bumis active members now but their top earner Steven Yeam have already left and started a new MLM Company.
http://www.lampebergertruth.blogspot.com/

Energy Products

(eg. stone pendants, bracelets, mattress and pillows). They use all sorts of gimmicks and demonstration to make you into believing them. They will do some tricks and demo to prove that these products really produce energy BUT is there any tricks in their demo ? So what if there really produce energy; is it good or strong enough to help the body ? Are those simple products made of some simple materials worth RM300 to up to RM3000 each ? The effect is actually PLACEBO which I will elaborate in a new thread soon.(more details later)

Hi-Tech products

(names like bio-tech, nano-tech that claimed millions of dollars of research involved, eg Bio-Young and XKL few years ago). Most of these will claimed a professor behind them(even with name and picture of a person) or used words like “U.S.A. formula”, “German Technology” or “Nanotechnology” but with no further details. If you ask for more details like the professor or factory’s address, the answer will be “trade secrets”.

Investment Schemes

SWISSCASH is the King of all. Swisscash is nearly over now but there are many similar and smaller ones that are still on.(Now, it’s closed or stopped paying back members)

GoldQuest

This Company that claimed to be HK-based started with some non-value gold-plated coins that are sold for over RM2,000 have several names and changed products several times. QuestVacation, QuestNet, etc. They have several offices in Amcorp Mall, PJ and their key person(in fact, the owner), a Malaysian Indian was arrested last year in Indonesia for having involved in a very big Philippines scam. Most of their overseas offices are closed or inactive but their Malaysia business is still hot, with some “energy” products.(Can someone please provide a link which showed the news that their boss was involved in a big scam in Philippines and was arrested last year ?)

Numerology & Fortune telling

A Company named Visiber is using MLM to sell fortune telling classes using your birthday based on Numerology fortune telling. Prospects will be told that they need to buy a certain “number” between 1 to 9 in the form of pendants or bracelets made of silver with stainless steel or platinum plated, and sold from RM600 to RM20,000. Customers, or rather victims are mostly females from rural areas. Very hot in Penang now and a number of spin-off Companies have started.

MJ-Life

This Company boost of a very big background with many many years of history which is NOT true. Their people or associates may be long in business but nothing to do with their MLM launched recently. Why do I consider it a scam or bad ? New members are told to pay a sum of money(up to RM1000) and you get NOTHING for it. You only get a membership can entitle you to enjoy all sorts of special price and discounts when you have medical check-ups in their centres. They will claim all those check-ups cost more if done elsewhere. It’s not true. Only the naive and those new to medical check-ups will fall victims to them. Most members who paid the money ended up with nothing.

Seaweed Venture Scams

1 such Company is located in Taman Maluri, Cheras. They will ask you to invest a few thousands ringgits for their venture of growing seaweeds in East Malaysia and you are guaranteed returns. To gain your confidence further, they will tell you your investment money is secured by “insurance” or “unit trusts” & “trustees”. When you ask for further documents to prove, they will give all sorts of excuses or just ignore you because they know they cannot get you. These Seaweed scam is one of the hottest now, warn all your friends about it before they are victimized.

MXM(previously MGM)

This is a master scam owned by a Dato Kam(Pathlab) tapping the younger group, very successful 2 or 3 years ago but since they moved to their big 10-storey office at Phileo Damansara and changed name to MXM, their business dropped. They collect members RM3,000 to RM4,000 with credit card monthly easy payment and in return you get a hospital benefits insurance from Pacific Insurance worth only a few hundred RMs together with some you-don’t-need medical check-ups from their associate Company Pathlab. Also talk about fitness, lifestyles bullshit that is all worthless.

Gano Excel/I-Touch Life/GEW2u

This company from the north, a copycat of DXN selling Lingzhi capsules created a new Company called Gano iTouch to cash-in on the internet like e-Cosway after their Company went down the drain since the last 2 years, selling Linzhi and some no-value energy pendants and alkaline water gadgets. They provide free transport every weekend from KL to visit their Alor Star office. It did not work well and recently in mid-2009 changed name to GEW.

NuLife(HK)

This Company started by some HK people has been in Malaysia for more than 10 years but they have flopped in HK and Malaysia due to bad management and a product scam making use of a prosecuted American named Dr Jeffrey Bland, found guilty of false products claim. Since this case in the US leaked out and many Malaysians found out that the real boss in HK is a Steven Tang(he cheated many Malaysians in another scheme about 20 years ago) their business went down all the way. Now they claim Malaysian partners cheated them and start a new Company in Malaysia. Watch out, this new Company will come out with some investment scheme idea that will get many to lose their money.

Arowana Fish Breeding, Oora from Germany, Biofuel(Kompleks Maluri)

These are some newer scams. Arowana fish venture ask you to invest some money and give you fixed return. Bio-fuel will tell you their Indonesia connections(just like Sunshine Empire before using Taiwan) & Oora from Germany(I never trust those cruel Germans) that market some bio-chips and a gadget that claims to give energy and therapeutic effects of acupuncture, tai-chi, yoga, etc depending how you set the toy-like gadget, wear it on your body and you get the effect later. They could not explain or provide any demonstration to prove their effectiveness. Only doctors and papers claim that I will never trust. The health effect is actually PLACEBO, which I will elaborate in a different thread.

Easy-Pharmax

How could I missed this out earlier. I thought I mentioned this until I got e-mails asking me about it. This is easily in the TOP 3 during the last 2 years. Owned by a Dato Yeap(another Dato !!) Members are tricked to invest up to RM40,000 with the false promise that the Company will use e-commerce and online selling to dispose their goods and recover their monies. It won’t happen, of course.

Gold Investment Scheme

This is an old trick but back again by several Companies promising a GUARANTEE FIXED RETURN income like many other schemes. Try to ask for a copy of their fixed return agreement and consult your lawyer. Common sense tell you any business that promises a fixed return to UNLIMITED numbers of investors, higher than bank interests must be a scam.

Score-A or Skor-A

This Company sells you an online program of past Malaysian examinations papers for primary and secondary school students for self-testing for up to a few hundred RMs per membership. It actually cost them nothing. Members are told to invest in a few units, again using MLM with the promise of getting rich. The same program can be purchased from Utusan for just a fraction of their price and you can get better programs.

GRI(Global Royal International)

The boss behind this scheme is multi-billionaire James Pang(the big scammer waiting for trial in Singapore because of Sunshine Empire). Before Sunshine Empire, he operated NOP and SwissCash. This time, he is using a lot of representatives and MLM leaders since his passport is held by Singapore government and he cannot come to Malaysia. I am told that anyone who is bold enough to call himself a MLM leader in Malaysia can visit his rep in Malaysia or Singapore and they will be given at least RM5,000 as some expenses subsidy if you are willing to market for them.

One Community Worldwide

Tapping a mostly Bumi market and owned by Steven Yeam(SYN) and Willie Lim of Lampe Berger previously(the Chinese no longer trust them). They are selling a negative ion mattress for RM25,000 !! The same modal, I have seen before for RM2000 from Korea. If you cannot afford RM25K ??? You can buy therapy package for RM300. Don’t believe in such product ? You can go for some chlorostrum(virgin cow’s milk from nowhere)

English-Learning Program Online - ESL(an online English learning program)

You are asked to pay RM100 for one or 2 years usage of online learning. Started by a Malaysian Indian man by the name of Dr. Edward, this program has changed names at least 2 or 3 times since the last one year due to poor response and a lot of “technical problems”. I consider it a scam because you are paying money for nothing tangible to direct-selling company through MLM and their program has been very “unstable” as my source put it.

Genius Theme’s vacation and rewards package

Such timeshare holidays scheme are being sold for RM400 to RM499 and you are promised a few nights stay in Thailand or Bali. Started by a Company name Max Generation, they wholesale to some MLM Company and other Company like Sen Heng, one of them is Genius Theme, a subsidy of a Maxis agent Company. Looks like many people will lose money. If this Company runs away, those hotels and the MLM Companies need NOT be responsible. Genius Theme is using MLM and direct sale to sell for RM499 or RM599(include a flying experience) while Sen Heng is giving it away free if you purchase over RM2000 products. Of course, they are othere hidden costs to be paid, it’s NOT really free unless you pay MORE upfront.

Online Gaming program using MLM

Started by Steve Tan, founder of Xango in Malaysia, also aimed at youngsters.

So guys.. stop all these nonsense.. go for real and secure investment...

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65

Sambil menyelam, mari minum air!!

but make sure the water is safe to drink la.. ehehhehe

yesterday, my boss asked me to go to one of the telco company in KL.. to submit some of client's application for SIM card.  not that happy since my dressing was not in the mode of going to big city.. eheheheh.. since aku ni pekerja yg baik.. pergi saja lar..

so.. since i'll be going to KL.. which only took less than one hour to meet the telco representative.. i tried to figure out how to kill my time to make the journey worth it!... pikir nye pikir..  yeay!! sms lar sorang bakal client yg sepatutnye dah invest tapi due to thumbprint mismatch.. so kena lar jumpa lagi... this one client.. she supposed to be investor since September or October last year... tapi disebabkan technical error.. i have to meet her again for new application.. dari hari ke minggu ke bulan.. tak dapat2 nak set appointment with her.. she is a lawyer and her schedule very tight.  btw.. she is my adik angkat... (the person yg encourage me to be the agent!)

so after sms her.. she said she will be outside for a meeting and hopefully to finish on time.. it just my luck of the day.. after i finish met up with telco rep... i gave her a call.. and she told she was on her way to the office... alhamdulillah.. akhirnye ada gak jodoh ngan dia...

so this morning... i prepare her paperwork.. only to found out.. i forgot her signature for the EPF form.. arghhhhhh.. tensen nye makcik... iskkkk.. so.. what now?? adush!! abis lar kalau hubby tau ni... adoiiii... *garu kepala jap

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65

Tuesday, April 27, 2010

Ouch!

As Unit Trust Consultant, your voice is the most important asset.  Yelar, camna nak cakap kalau takde suara.. ye tak??

But now, my throat is in pain (rasa nya cam bengkak).. and also my voice has changed from sweet, soothing voice (chewah!! yolar tu!) to husky masculine voice.. arghhhhh...

and me being clumsy drinks a lot of ice drinks when we went over to my sister's house...

oh dear... lots and lots of plain water..

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65
 

Monday, April 26, 2010

Service Value Assessment

Oh dear!! My GAM have give me (and few others) a warning!! Damn such a procrastinator am I.

End of last year, our GAM provide us with some questions about our goals and dreams and habits.. we should send it by end of the year or early last year.. being a procrastinator (a big NO if want to be full time UTC).. i have been postponed it till now.. and today.. i've got SMS from our GAM, "U r barred fr training, preview, email, sms if u do not submit yr Goals by 26th.  All the best!" adush!! tajam nye... so apa lagi.. aku pun sibuk lar siapkan.. actually just to amend a few things plus the pictures..

Ok.. what it is all about...

1) The reason why I join Public Mutual are:
    a) I want to have the time freedom
    b) I want to have financial freedom
    c) I do not want to stuck with the office rules and regulations
    d) I want to help people to have SAVINGS

2) The reason why I would make it are:
   a) For all the above reason
   b) I am confident with this product
   c) I know I have the strength and determination to realize my dreams

Then, we talk about our sales target.  And next, my goals.

1) What is my dream car? (As picture, but yesterday we tested another great car!!)



2) What is my dream home? (As picture, but I already owned a house although it's not a dream house!!)


Then, it goes on, how much income I wanted per month, What disciplines I want to develop etc. 

The whole thing is good.  Rather than we thought about our goals, we write (type) it down and read it over and over again!!

But the most ultimate havits that I need to develop is NOT TO BE A PROCRASTINATOR.. cause it really kills everything.. time, money and whatever I want to achieve... Hopefully, I can develop this the soonest possible.

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65
 

Tuesday, April 20, 2010

Guerilla Sales Workshop

Hari ni ada Sales workshop kat Public Mutual, Klang Branch kul 7.30pm-10.30pm.. lg pun nak kenalkan my downline, Mr. Loh ngan my AM (Agency Manager), Ida Azerin a.k.a Cho...

Hmmm.. apa menarik ye?? tapi apa yang penting dapat tambah ilmu.. tu yg paling penting.. dalam bisnes ni.. kita tak leh static.. kena tambah ilmu.. setiap ilmu yg dapat tu kita kena gunakan mengikut kesesuaian...

well.. since i plan to be a FULL TIME Unit Trust Consultant next year.. so i have to start gain as much knowledge as possible..

but at the same time worried gak since my baby girl demam lak tetiba pagi ni.. so nanti kena check ngan nursery.. and malam ni my husband's cousin nak amek gambar we all satu keluarga for his school project..

so malam ni right after the workshop.. kena cepat2 balik.. cam artis la plak.. hehehe.. anyway.. to be successful... there are price to pay..

hari ni our GAM (Group Agency Manager) bagi kata2 azimat.. "Winners are too busy to be sad, too positive to be doubtful, too optimistic to be fearful and too determine to be defeated".

i-allah.. i share the knowledge ye..

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65
 

Friday, April 16, 2010

Welcome!!

Welcome to you out there!

I have other blogs.. so why separate it?? Yes, this blog is totally dedicated to share some stories to all of you out there on my journey as UNIT TRUST CONSULTANT.

Indeed it is an interesting journey.  It's tough if you asked me.. but it's rewarding...

Camne leh terjebak dalam dunia ni??
Since 2006, I have been searching for part time job.. sebabnye.. aku dapat kerja di satu company yg environment nye sangat tak ok.. yelar.. imagine.. baru first day kerja ko dah kena meeting.. and meeting nye sampai malam.. setelah diselidik.. hari-hari meeting sampai malam.. dan.. baru lar aku tau.. hari-hari aku kena OT.. dan sabtu ahad tu pun dah kira cam hari kerja cam biasa...

from that on.. aku mencari dan mencari.. memula try MLM.. sebab ada opis mate aku tu mak dia orang no. 2 dalam satu MLM ni.. so aku pikir.. kalau dia boleh.. kenapa tidak aku?  aku pun bayar.. dapat jual barang... tapi takde satisfaction.. pegi training.. but the training not that informative.. lelama aku rasa cam give up.. yelar.. ingat senang ke nak suruh orang beli barang.. tapi ada lar dlm setahun gak aku try..

then.. aku rasa sudah lar.. jenuh buat mende ni.. so i am back to my normal life.. and after two years.. aku dapat kerja tempat lain.. alhamdulillah.. opis dekat ngan rumah.. baru 2 minggu masuk kerja.. boss suruh aku jaga booth kat satu pameran ni.. okey lar.. menurut perintah je lar..  tgh2 jaga booth.. ada lar satu mamat ni tegur aku.. dia cakap dia business owner... dia bagi kad dia.. pastu dia contact aku after few weeks.. aku pun bagi lar peluang untuk dia citer pasal business dia.. citer punye citer.. rupanya dia pun MLM.. tapi aku bagi peluang lar untuk cuba skali lagi.. yelar.. sbb ni MLM yg ternama.. maybe program dia lagi bagus.. tu pendapat aku lar.. akhirnya.. aku terjebak gak setelah beberapa kali dia jumpa aku.. siap buat demo lagi kat rumah.. but again i found it not satisfying.. aku tak jual barang pun.. guna untuk diri sendiri.. tapi tak yakin ngan produk tu.. lelama aku rasa.. dah lar.. buat penat je.. baik tak yah..

and i'm stuck to my office life again!!!


hingga lar satu hari ni.. my adik angkat chat with me.. aku pun ngadu kebosanan bekerja kat dia.. then she told me.. why don;t you become a UNIT TRUST CONSULTANT.. hah?? pobondo nye tu?? dia pun citer.. hubby dia nak jadi agent.. tapi hubby dia foreigner. so tak layak.. so she encouraged me instead... so aku pun baru ingat yang aku pun ada invest dalam satu fund early that year.. so aku pun contact lar agent aku.. cakap kat dia.. aku berminat nak tau lebih lanjut.. dia pun suruh aku datang preview (BOP)...  berpeluang lar aku buat kali pertama jumpa kak Azizah Saad... dia pun citer.. apa best nye jadi UTC ni.. so discuss ngan husband.. husband bagi green light.. restu husband penting ooo... so aku pun isi borang.. bukak akaun Public Bank (penuh masalah time ni sbb myKad tak ok.. siap kena tukar my Kad lagi).. amek gambar.. attend CUTE class.. etc.. tapi application banyak masalah.. tu tak kena ni tak kena.. macam2.. dari aku 4 months pregnant.. sampai lar aku bersalin.. aku pun call kakak yg sepatutnye jadi upline aku tu.. mintak balik duit.. sbb aku dah tawar hati nak jadi agent.. tapi punya lar susah... lama2 aku mintak tolong kawan lama kat kuantan and banting.. nama nye IDA AZERIN.. aku panggil dia Cho.. dia pun agent.. akhirnye.. setelah discuss balik ngan husband.. dia kata.. okey teruskan balik niat tu.. alhamdulillah.. dengan upline yg baru ni.. semuanye berjalan lancar... and I thank ALLAH for it.. sbb jumpakan aku ngan satu agent yg sangat bermotivasi tinggi...

and the journey begin... 

NOTE: I am a Unit Trust Consultant.  My job is to encourage people to save money for their future expenses, retirement, child education and others.  If you interested to know more, contact me at khulailah@yahoo.com or call me @ 013 668 13 65