Sime Darby aspires to “Tap” into Malaysia’s Water Market!

 

Background: Sime Darby Bhd is currently undertaking a groundwater project in Bacang Padang in Parak to meet the future water needs of Malaysia. One of the groundwater technologies that have been successfully applied is called Radial Collector Well System, which has been widely used in South Korea for its public water consumption and river conservation efforts.

Study Tour Objective: Persatuan Pengguna Islam Malaysia(PPIM) along with members of the Government and media were invited to examine radial collector wells in addition to other well systems used in South Korea.

Sime Darby Bhd also made arrangement for delegates to learn about:

• The public water supply in Jeju island
• The use of rain water for residential homes and
• A successful stream restoration and conservation project in Seoul

Observation: South Korea with its limited annual rain has is utilizing an existing method (radial collector well systems) to provide the people of Korea with water for consumption and public works.

In addition to supplying the populace of Seoul with portable ground water, the government has also restored the Cheon Gye Cheon stream from water supplied from the Han River. Jeju Island has successfully solved its water shortage as well as addressing saline intrusion.

Bottled mineral water is another product which has developed from the radial collector system that they use.

To provide the delegation with other conservation uses of water, Sime Darby Bhd arranged for the delegation to learn about the Rainwater Management System in Star City and an additional radial collector well facility located in Pusan.

I should point out that the Star City water system shows how residential and office buildings can be designed to ecologically conserve and use water while reducing the consumer’s water bill.

 

Recommendation for Malaysia: While Malaysia has ample rainfall, there are incidences when areas must without sufficient water which leads to rationing this precious resource (water) to meet the needs of citizens.

In addressing issues of water shortages we must do the following:

• Better water management. Malaysia has sufficient rainfall which is inefficiently utilized.

 

Peninsular Malaysia generally exceeds 1,600 mm, and is well over 2,500 mm in many areas (Dale 1959)

The mean annual rainfall in Sarawak is between 2,500 and 5,000 mm, and is fairly well distributed with no month below 100 mm (Andriesse l968).

• Safeguards to prevent water pollution: Examples.
1. Ecologically friendly methods by sewage treatment plants. 2. Manufacturing industries given the carrot or the stick as incentives to find ways to reduce their contribution to water pollution. 3. Entrepreneurs can be encouraged to develop other uses for waste from animal farms and agro-based industries.

• Educating citizens on sustainable water usage: Early and continued education is one of the best means to drill in the habit of sustainable resource usage.

However, while these measures are being researched; radial collector wells as well as the innovative use of rain water appear to be useful means by which underground water can be economically used to supply states or local principalities during water shortages.

Finally, the natural competition which will grow out of having Sime Darby enter the market, would serve to increase overall water services and decrease water prices for the people of Malaysia.

Salaam

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

AS Consulting
The World Muslim Consumer Association (PPIM)

Criminalise War The Way We Criminalise Murder!

YABhg Tun Dr. Mahathir Mohamad, delivered Keynote Address at the October 2009 Criminalise War International Conference and Exhibition held in Kuala Lumpur Malaysia.

In his address, Tun Dr. Mahathir brought home the point that while issues of slavery, child labor, women’s rights et cetera have all been addressed and rectified to a great degree; societies still accept war as a mean of addressing disputes.

He also stated that if the killing of one is considered murder; then what of the killing of millions?

During the conference; those in addendence heard from luminaries and former detainees a like who are tirlessly at the forfront to end the illegal wars conducted against Afghanistan, Iraq, Palestine and Lebanon.

In addition, no one present during the first day could forget the heart felt performance by the Iraqi children!

It is long overdue for the sane people of the world to let their voices and finances ring out against War and especially Illegal Wars where the only winners are those businesses who have turned War into a Racket in which to enrich themselves.

Unlike during WWII where war criminals have been tried, sentenced and justice rendered; the modern war criminals have stacked the international deck in such a way that they will never see the inside of an international court. Therefore, people around world have to ostracize them so that they begin to feel “Persona Non Grata” where ever they go.

Finally, each one of us has a moral obligation to enlighten at least one other person on what we heard and saw at this year’s Criminalise War Conference.

We do no want it to be said that our silence is in fact tacit approval!

The following are a few photographs show a glimpse of man’s inhumanity to man taken during the conference.

Many thanks to Bro. Noor Azman Idris for the photos!

As-Salaam Alaikum

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

The World Muslim Consumer Association
AS Consulting

Supercharging Your Human Potential Using Hypnosis!

As-Salaam Alaikum

In a previous article “How to Keep Intellectually Fit”:

http://twmca.wordpress.com/2009/06/02/how-to-keep-intellectually-fit/ 

I wrote about some easy ways to build up one’s brain.

Today, I will discuss an area that have a passion for and which I have assisted others achieve some breakthroughs in their lives.

This passion is hypnosis therapy/counseling.

As a licensed hypnotherapist , I work with clients to help them locate solutions and to develop their goals.

Hypnosis works together with the individuals subconscious mind to find valuable resources that can be utilized to assist one to solve problems, overcome fears, change habits and to enhance performance to name a few.

One may ask; is hypnosis a magic cure all? To this I answer…No is isn’t.

However, as we continue to learn about the potential of the mind, we can also explore even more elegant ways to use hypnosis.

On a lighter note and to briefly show the power of one’s mind please view the following short video.

http://www.youtube.com/watch?v=8tzSmEmtM1s

Note: During a therapy or counseling session, those more amusing things which are in the video do not take place.

Another question I am often asked is with respect to Self Hypnosis!

Given the growing interest, I am more than happy to provide some brief instructions.

1. Sit or lie down in a comfortable position

2. Tell yourself (subconscious mind) what you would like it to help you with and to provide solutions, mental resources etc.

3. Decide when you want to end the self hypnosis session (after 15min, 30min etc)

4. Take in a deep breath and let it out slowly as you focus on becoming relaxed.

5. Count backwards from 20 to 1 or 50 to 1 while allowing that feeling of relaxation to flow through you.

Note: Some people find that soft music is conducive to entering a hypnotic/trance state.

6. When you wake up take a deep breath and enjoy the rest of your day.

In Closing; this very simple self hypnosis method should assist you in making the significant changes that you are seeking.

All the best!

Closing Note: For those who require more personal, discreet and confidential attention feel at ease to contact me at: 012 2404 509

As-Salaam Alaikum

Muneer A. Rasheed

International Consultant and Advisor (PPIM)

www.muslimconsumer.org.my

—————

Muslim Unity; Lessons from Nature and The Holy Quran

 

As-Salaam Alaikum,

 

It’s often strange to realize that what we have which should serve to bring about our unity is the very thing that divides us.

That which we and others use to divide us is Islam!

What is Islam?

Islam is the entire submission to the Will of Allah!

But can we be in submission to the Will of Allah and yet not do His Will?

And isn’t part of the Will of Allah (swt) for those who worship Him in unity on Fridays to do be likewise from Saturday thru Thursday as well?

Again, we see in nature that insects, birds of various kinds and animals band together to build promote and protect their interest.

Look at how the Bee works in unity for the good of the colony (group). As a result they produce something which benefits them and those who partake there of.

I’ve often seen small birds dissuade an eagle or other predator by coming at the potential enemy from various directions causing disruption and confusion, thus saving the lives of their young or their mate.

Anyone who has seen those animal programs on TV has probably seen how hyenas work as a unified body to rear, protect and bring down a much larger pray! There strength is in their Unity!

What is all of the above teaching us? Should we just view these things as random evolutionary events that occur among Allah’s lesser creation while leaving His greatest creation clueless?

A friend once wrote that “Success Leaves Clues”

If we examine the success cases of unity in nature and look at those successful cases among people then we can see the clear trail of clues left behind.

Success does not depend on vast numbers, but it does depend on a singularity of purpose!

If you observe those groups are successful you will notice the lack of infighting; meaning fighting among themselves.

Does that mean that there are no disagreements? Hardly, but you seldom hear about or see major conflicts which jeopardizes their unifying interest played out in before the public.

Members of these unified groups can be separated geographically, linguistically, culturally etcetera, yet at the core they know that they belong to a unified group.

Because this understanding is internalized, business opportunities are created for those within the group in the areas of supply and trade as well as providing goods and services to anyone else.

How do the successful groups maintain their economic power; By controlling the circulation of their wealth.

Currency usually circulates a minimum of seven (7) times within the communities of the successfully unified groups before it enters it leaves.

Our currency does not circulate 7 nor 6 nor 5, 4, 3, 2 or 1 time among ourselves. We are fortunate if our money makes it to another Muslim business before it leaves the community never to be seen again!

When Allah (swt) taught Adam all the names (Surah Al Baqarah 2:31) was that the extent of his education? Would not Adam have been taught the function and intricate details of that which he was taught?

Adam would have learned how unity plays an important role in creation and more importantly in Allah’s (swt) greatest creation…Man!

Muslims seem to have failed to learn or understand this basic lesson. Unity is paramount for our survival! We have to put to the side the childish differences that we and others exploit to cause disunity among us.

If linguistic, culture, geographical etcetera, has not proven to be a hindrance with respect to the unity of successful groups, then why should these things be a roadblock to Muslim unification.

We must be in unity in such fundamental areas as trade and Muslim consumerism to create a foundation from which we can build.

Not doing so we will keep us in the pathetic situation that we find ourselves today.

We allow others to refine our oil as well as provide us with manufactured goods and services.

Today, the situation has even reached to the point that more than 90% of the exhibitors at Halal product Trade Exhibitions are not Muslims.

The few Muslims who are seen promoting Halal Products and Services serve only to provide legitimacy for those non Muslims who are the real owners!

Think over it; Non Muslims Producing and Providing “Halal” to Muslims!

Even among those who provide Kosher meals and services there must be a Rabbi on board to assure the tenants of those who eat Kosher are adhered to.

If they (Jews) are so strict and careful then why shouldn’t we. Is not Halal as or more important to us as it is for them?

Why should we let others do for us what we should be doing for self!

We must gain back our dignity through unification as “Muslims” and laying out our own future.

Wake up Muslim Brothers and Sisters before we wake up with Nothing!

As-Salaam Alaikum

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

AS Consulting
The World Muslim Consumer Association

Bomohism and Islam; A Nightmarish Mixture!

 

As-Salaam Alaikum

 

Dear Brothers and Sisters,

Like many things that seem to be on the rise i.e. Blood pressure, obesity, the cost of goods and services etc; those being adversely affected by Bomohism appears to also be at an all time high.

Treatment centres established to help those who are afflicted with un-welcomed “entities” seem to have no shortage of clients. The young, “not so young”, rich and financially challenged, all seem to share this same issue.

How did we as Muslims come to this? Why are so many Muslims overcome by attacks from what I refer to as the “6th Dimension”?

Does the so called “Spirit World” have nothing better to do than wait around for game full employment from our dimension?

While I’m sure these “entities” do not discriminate; it appears the vast majority of those going to centres for help are women!

Recently, I had a conversation with someone whose spouse has been suffering / plagued by this type of spiritual problem for over 23years!

After listening to what this person had to deal with for more than 2 decades the only thing that came to mind was a line from song which reads:

“Somebody please wake me up from this bad dream”

There is no doubt that these words are shared by many who deal with this on a day to day basis.

Why? While the “possessed” individual is the primary victim in all of this, there are secondary victims as well.

The secondary victims are the other spouse, the children, other family members and friends acquaintances.

This is similar to a smoker whose addiction causes those around them to suffer indirectly (second hand smoke) from what is taking place in their lives.

The family members, friends and acquaintances and the silent victims of Bomohism!

---

Side Bar: It’s interesting to note that in some places, there are support groups for family members and victims of Cancer survivors, AIDS, Murder, Rape, and Incest etc.

---

Should we now include in this partial list support groups for families who have a member or members of that family which are victimized by Bomohism?

The questions that I often ask when I see the trauma these “possession” bring is:

Where’s Islam in the midst of Bomohism? And

How does one’s belief in Allah (SWT) fit into the picture?

 

It seems very disturbing when you learn of Muslims paying Bomohs to send Jinn’s, spirits, entities (which ever) to disturb other Muslims or people in general.

Muslim Brothers and Sisters, if we mix fresh water with salty water the resulting is still not palatable.

Likewise when we mix Islam with Bomohism you get more of the latter(Bomoism than the former (Islam) resulting in an ever increasing number of Muslims reliant on expensive antidotes and cures.

These victims are paying (in many cases) with their hard earned money, seeking relief, but there’s little to be found.

As a result a whole new “” filled with the compulsory CDs, Bottled water with the Holy Quran read over it, Zam Zam (with or without Holy Quran verses read over it), Rock salt, Water for bathing, Creams, Ointments and Sprays. People are told (maybe true) that not only are they sick, but that there home is sick as well. I can almost hear the cash machine now. Kaching!

Don’t get me wrong there are probably a few people out there whose only motivation is to help. I pray that Allah (SWT) is pleased with their work, but isn’t it time that we as Muslims start really believing the opening line that we recite daily.

“In The Name of Allah The Compassionate The Merciful”

Shouldn’t we cry out to Allah to free us from this spiritual/mental bondage that has us trapped in the spiraling web of madness?

Failure to stop mixing Bomohism with Islam will ultimately lead to your echoing similar lines to that which I wrote earlier:

“Somebody please wake me up from this (mad) bad dream”

As-Salaam Alaikum

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

AS Consulting
The World Muslim Consumer Association

Employee Health is Your Organization’s Wealth!

 

There is an old saying that…

“All work and no play make Johnny a dull boy!”

Today, with our unhealthy diets and lack of exercise we may now say:

“All work and poor personal health care shortens Johnny’s life!”

It’s ironic that as people across the globe become better off economically; the quality of their lives in the way of physical fitness conversely seems to decline.

We now see (especially in developed countries) rampant obesity and the accompanying health related problems.

The nutritional intake that is supposed to sustain life is in fact a ticking time bomb ready to explode.

The explosion comes in the form of:

• Heart problems

• High (bad) Cholesterol

• High Blood Pressure

• Diabetes and related problems!

In the past, an agrarian lifestyle offered a natural form of exercise through the daily work performed.

Now, the only exercise that many office workers get during the day is finger exercise by typing on the computer!

However, the injuries that may result (wrist, back and neck)do not garner the same type of sympathy as those who get real sports related bruises!

The most proactive of this (health conscious) lot join a health club to balance out the day’s strenuous workout behind the desk.

Even among some of these avid health clubbers you find those who upon completion of their workout rush to get “Super Sized”! at the nearest fast food or other unhealthy food establishment.

People who consume this type of diet not only replenish the calories they lost during their workout…

They in fact, add even more calories thinking they need the energy for when they go back to the health club!

Still there is a multitude of others whose exercise consists of thinking about how they need to do it…someday.

Years later; they are the very ones who you hear singing the:

I wish I could’ve would’ve should’ve song!

I wish: I wish I had started exercising when I was younger

I could’ve: I could have exercised, if I weren’t so busy

I would’ve: I would have exercised if my husband / wife would have gone to the club with me.

I should’ve: I should have paid more attention to the junk I stuffed in my mouth! Now look at me; I’m as big as a (fill it in for yourself)

A healthy person makes for a more productive employee both mentally and physically.

Reduced issues as a result of poor conditioning (time away from the office and lower insurance rates) mean the corporation, the client all gain from physically fit employees.

Therefore, it is incumbent upon organizations to find ways in the form of incentives that will encourage employees toward better personal life style choices!

Here are a few suggestions

Make arrangements to have employees examined onsite for diabetes and high Cholesterol levels. (Twice/year)

Provide easy to follow information on ways to workout at the work place and good nutritional habits!

Invite speakers/health coaches that can dicuss the “How to” of achieving a healthy lifestyle.

Recognition of employees who have made improvements to their health!

(Certifiate of recognition or mention them in the company news letter)

Those are just a few things that you can do to encourage your employees to live Healthier and Wealthier Lives!

As-Salaam Alaikum

Muneer A. Rasheed

International Consultant & Advisor (PPIM)

www.muslimconsumer.org.my

www.asia-consulting-advice.com

Ramadan Kareem!

 

As-Salaam Alaikum

Dear Beloved Brothers and Sisters,

We at The World Muslim Consumer Association (PPIM) pray that you and your family have a safe, peaceful and happy Ramadan! 

As-Salaam Alaikum

“Gender Confusion” Society’s New Pandemic!

 

As-Salaam Alaikum 

In each of the separate cases; one was trying desperately to take on a male persona whiles the other (female) donned a tudung.

As I stared across the track at this apparently growing phenomenon, I noticed that the people standing by them appeared to not give any of their touchy feely behavior a second thought.  Or at least from my vantage point it appeared that they did not take notice. 

Thinking that this unnatural behavior among our sisters had more to do with the alignment or misalignment of the planets than some deviant lifestyle; I put the matter behind me and boarded train. 

Just when the thought of what I witnessed was fading from mind, I noticed still another of these parings snuggling near the door of the train.
.
More shock to me as they too did not seem to care about how they touched each other in public.
 
Having seen isolated cases around the city; I knew that this was a problem, but never imagined how open this is becoming.  There seems to be absolutely no shame among those who are taking part in this type of behavior in displaying their “affection” in public.

Conversely; it seems that we Muslims are either pretending not to notice or some how tacidly condoning this alternative lifestyle. 

A lifestyle that they (gay and lesbians) themselves do not fully subscribe.  Why do I say this? 

If you ask a woman who is pretending to be a male why she is acting this way she will respond: “I’m a male trapped in a female’s body” 

Beloved Brothers and Sisters,

Allow me a few moments to share what I see as an uncomfortable trend today.

While waiting for the computer the other day, I was shocked to see not one, not two, but three female (lesbian) couples.

If you ask a ”male” the same question; he will respond “I’m a woman trapped in a male’s body”  The two groups support each other’s position on this entrapment.  However, here’s the dilemma. 

 

Why doesn’t the male trapped in a female body date/seek affection from a female trapped in a male’s body? 

You won’t see it and they don’t do it! 

Do they (lesbians) mean to tell us that there are no males who are just as attractive, more feminine than “real girls”? 

Why do lesbian women only seek after biologically born women and why are these gay males only attracted to biologically born males? 

Again, they do not believe in their own lie! 

It would more acceptable if the two groups dated each other. 

At least then, they could eventually do what Allah would have them do and produce offspring. 

We as Muslims can not allow the sickness of the West to be the cause for our accepting that which is wrong in all major religions. 

We can not be afraid to speak out and make those feel shame for going down this path. 

Men we have to ask ourselves what is it they we are doing or not doing that is causing our women to seek out the affection of other women. 

Why? 

Because they don’t truly believe the lie that they are trying to get the rest of us to buy!

Are there no females that gay men find that are not more handsome, more manly and rugged than many biologically born men?

Mothers; you have to ask yourselves why is this happening to your daughters and sons since you are their first teacher.   

Do not turn a blind eye to your daughter if she is dressing and taking on pseudo male characteristics or if her best (female) friend is behaving as such.

Likewise mothers and father, if you see your children acting / displaying the opposite gender’s role talk to them about it or get professional guidence. 

It’s time to take our collective heads out of the sand and do something about this before we lose our youth to this social pandemic!

As-Salaam Alaikum

Muneer A. Rasheed

International Consultant & Advisor (PPIM)

The (FTC) Ferderal Trade Commission Shares it’s Experience with Asean Nations

 

DAY 2

Dato’ Dr Sothi Rachagan started off Day 2 by giving an overview of the function of the world bank, IMF and the strengths and weaknesses of United States credit system.

In the segment; Dato’ Dr. Rachagan pointed out that given the complexity of the U.S credit system, in depth analysis would be would be impossible with the time allotted. However, he hoped participants would gain a glimpse into the overall process so that they could develop their own indigenous model(s) and not just mirror the West’s.

In a slide showing the “Rapid Growth of Consumer Credit” Dato’ Dr. Rachagan presented the following:

• Loans by licensed moneylenders in Peninsular Malaysia 2006 to 2007: increased from RM3.1 ~ 5..1 billion

• Loans from Pawnbrokers in Peninsular Malaysia and East Malaysia in 2007: RM2.7 billion

 

One statistic that would be of interest is the amount of money borrowed and owed (after interest) to the illegal (Ah-Long) money lenders

With any man made system, there are advantages and disadvantages. This is especially true with respect to Consumer Credit.

An advantage: The use of installment credit as a means of budgeting that disciplines the buyer to meet expenses regularly.

A disadvantage: Over-indebtedness with dire consequences for the borrower and their family.

One major cause of Over-indebtedness which the speaker pointed out was due to the following: A change in the circumstances (loss of employment, illness divorce) may result in the inability to pay existing debts. Borrowing even more triggers a cycle of indebtedness

 

Wrapping up Day 2 we again listened to presentations from Ms. Katrina Blodgett and Ms. Hui Ling Goh.

We learned that in 2008 the U.S. Federal Trade Commission received over 1,223,370 consumer complaints.

While this number is staggering, it was pointed out that with a staff of 1,100; not all complaints are acted upon. We were told that only those cases that which cause the greatest consumer injury are followed up.

Presently, one of the biggest threats facing consumers is that of “Identity Theft”.

Identity theft takes place when your personal information (I/C number, credit card history etc) are acquired by others for the sole purpose of using this information to defraud lending institutions. Those who are defrauded are then strapped with debts which they never realized they have incurred.

Our presenter stated that it was imperative that those who handle personal information have in place security systems that prevent cyber or internal personnel from compromising information that can be used to cause financial harm to consumers.

The 2day seminar was filled with concepts that the members of ASEAN could take back and adapt to their own requirements.

To learn more about the U.S. Federal Trade Commission Click Here!

Additional photos of Langkawi

 

 

 

 

 

 

As-Salaam Alaikum

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

AS Consulting
The World Muslim Consumer Association

The (FTC) Ferderal Trade Commission Shares it’s Experience with Asean Nations!

 

The U.S. Federal Trade (FTC) Commission Regional Seminar on Consumer Protection (held in beautiful Langkawi Malaysia)is held in conjunction with the Asean Coordinating Committee on Consumer Protection and with the assistance of the Asean Secretariat and The Ministry of Domestic Trade, Co-Operatives and Consumerism of Malaysia.

The seminar started with a keynote by Dr. Mohad Mokhtar Tahar, Director, Consumer Affairs Division, Ministry of Domestic Trade, Co-operatives and Consumerism of Malaysia, Putrajaya.

His remaks were next followed by a welcome from Ms.Thitapha Wattanapruttipaisan (Acting Head, Competition, Consumer Protection and IPR Division, Market Integration Directorate, ASEAN Economic Community, ASEAN Secretariat) and Ms.Katriana Blodgett (Division of Privacy and Identity Protection, U.S. Federal Trade Commission) respectively.

and Ms.Katriana Blodgett (Division of Privacy and Identity Protection, U.S. Federal Trade Commission) respectively.

With the formalities covered; Ms. Hui Ling Goh (Counsel for International Consumer Protection, Office of International Affairs, U.S. Federal Trade Commission) talked to the participants about unfair/deceptive acts in advertising and false advertising.

This almost seems like an oxymoron in the sense that many people have the perception that advertisers have an unwritten license to stretch the truth when coming up with campaigns,labels or slogans!

However, what the FTC does is monitor all forms of print, on air and internet advertising to “protect” U.S. consumers from those who would seperate citizens from their money or otherwise harm their health through bogus claims like super weight or unsubstantiated miricle cures for cancer!

Ms. Blodgett and Ms.Goh also shared the when required the FTC has access to experts with specific industry knowledge that can varify if certain submitted medical documentation in valid.

The FTC works to also protect consumers from expressed and implied information that will mislead the consumer.

With respect to labelling; participants were told about the 4P’s

• Prominence Will consumers notice the disclosure?

• Presentation Is the language easy to understand? Does it contradict the other assertions in the ad?

• Placement Is it located where the consumers will see it?

• Proximity Is it close to the language being qualified?

The days’s 2nd section covered covered such topics MLM and Pyramid Schemes, SPAM email and PHISHING.

In Brief, were told that the difference between Multi Level Marketing and Pyrimid Schemes is in how money is earned!

If the recruiter to the “opportunity” hints that the way to make the big money is through bringing in more people, then chances are you are dealing with a pyramid scheme. As these schemes put more emphesis on recruitment more than on product sales!

Word to the would be new recruit. If you get 3 new people by your 2rd month and they do the same by the third month, in 13months (Won’t happen) 193,710,244 will be recruited.

That is more than most populations of small countries!

And remember you are going after the same fish as those that have started before you.

Speaking of Phishing…this is the practice used by people to gain your personal data like bank pin number or some other important information that they will use to get your money.

Therefore, if someone calls of sends you an email telling you that you your bank account or credit card information has been stolen; ignore it.

They only want to gain your confidence so that later you will reveal the information the really want.

What you should do if you are contacted is contact your Bank or credit card company directly by calling their official phone number and make your inquiry.

Warning! Never click a link that someone sends stating that it is to your bank.

SPAM emails and SPYWARE were also discussed as these have been infecting computer users around the world.

The only word of advice…Get good protection against these for your computer and do not open links sent to you from those you do not know.

Group Dinner by the beach at 8pm so I’ll sign off here.

End of Day1

Muneer A. Rasheed
International Consultant & Advisor (PPIM)

AS Consulting
The World Muslim Consumer Association