And so it is...

Thursday, March 17, 2011

MXM - Jual Insurans/Takaful Pakai Skim Piramid? Kerja Orang Melayu La Tu.


Last week ada budak Melayu bodo-piang (tapi perasan hebat gitu) datang buat onar dengan begitu konfiden nye kat page aku. You know me... kalau sapa-sapa buat MLM atau skim piramid, semua bahalol tu semua aku golongkan dalam kaum bodo-piang, sebab orang yang cerdik takde nye nak buat keje lagha MLM dan skim piramid tu der. Anyway, of all the facebook groups or pages that one can promote a pyramid scheme (the hobbies of "estupido tonto" Malay children nowadays, btw), some deluded unschooled asshole came to mine. Mohd Yusri Jamil dengan bangganya datang ntah dari mana dan buat post gah kat atas kat page aku. Wadehel? Aku ingat dia nak kasi info kat aku tentang satu skim piramid yang baru, rupanya dia memang sungguh-sungguh nak promote menatang ni. Lagi sorang budak Melayu pengamal skim piramid lahanat yang tak buat homework sebelum naik bas pegi sekolah.

Anyway, ada banyak business insurans dan takaful kat luar sana. Masing-masing cuba untuk dapatkan pelanggan, dengan macam-macam cara dan kepada semua orang yang berminat, atau kepada mereka yang tak berminat... jadi, kena la kasi "grease" sket, supaya bendanya licin dan lancar. Macam buat seks jugak. Walau pun seorang awekz tu tak berminat, tapi keje mamat nye begitu licin dan lancar, akhirnya si awekz pun boleh naik suka dan mendengus tak keruan. C'est la vie. Benda insurans ini adalah satu "business" - lagi banyak jual, lagi banyak untung, dan insurans itu adalah suatu benda jualan. It's a commercial product, so to speak. Jadi ada satu syarikat sekarang tengah promote insurans, tapi memandangkan syarikatnya mungkin dah tertinggal bas dan ianya mahu berkembang pesat (tak kesah dengan cara apa - semua kira halal money), dan oleh sebab orang Melayu tu cukup senang kena kelentong dengan MLM dan skim piramid - meh promote insurans MXM ni style skim piramid. Yeay, yabedabedoo! Dah ada Mohd Yusri Jamil dan kaum kerabatnya yang boleh dijadikan kuli-batak apek MXM... dengan rela you.
  
About MXM

Established since 1998, MXM International Sdn Bhd (MXM), a member of Malaysian Direct Distribution Association (MDDA) and Business Ethics Institute of Malaysia (BEIM) has today positioned itself as one of the major players in providing quality healthcare and medical protection. Being a part of Kam Holdings conglomerate and associate company of PATHLAB, MXM has to-date more than 30,000 members throughout Malaysia and growing under the direction of its President and C.E.O, Dato’ Marcus Kam. 

As a company committed to providing the best healthcare protection to the ever evolving consumer needs, MXM has constantly pioneered various series of medical protections making it an All-In-One Healthcare Membership Program. Through MXM associate company, PATHLAB Health Management (M) Sdn Bhd (PHM) partnering with The Pacific Insurance Berhad (PIB), a renowned organization in the field of providing medical protection of exceptional qualities, is able to provide our members with a comprehensive Medical Insurance and through PIB affiliation with AAN, a global medical assistance service provider, our members can have an absolute peace of mind and be assured of receiving the best assistance and medical care in Malaysia. 

PHM recent partnering with Takaful Ikhlas Sdn Bhd, a renowned organization that has established a strong presence in the provision of Islamic financial protection services based on the Takaful System, which stresses on a spirit of cooperation and joint responsibility among its participants, is able to provide our members with a comprehensive Takaful Medical Insurance Protection. 

In addition, through PHM’s affiliation with MCIS Zurich Insurance Berhad, a leading organization, acknowledged as an innovative provider of services and solutions for its members, our members are also covered with Term Life and 36 Critical Illnesses Protection.

MXM has today placed its headquarter at MXM Tower, Petaling Jaya with nationwide presence in Penang, Ipoh, Melaka, Johor Bahru, Sibu, Sandakan and Kota Kinabalu. With a one-of-its-kind Healthcare Membership Program in Malaysia, MXM is confident in being the market leader in providing the ONE-STOP All-In-One Healthcare Protection to all.
 
Step into the MXM Tower and Be in Awe

The Pinnacle to MXM International’s Success - The MXM Tower was unveiled on 8th of August 2007 in Phileo Damansara 2 which marked the new beginning for MXM International. The new palace of Dato’ Marcus Kam and its MXM Team provides a platform for its existing and future Stars! Its fortitude is more than enough to reflect its power, holdings and dignified posh status.

The Creation of MXM Tower is a milestone, and a potent example of how one small brick at a time, each resting on the strength of another, the lofty peak is conquered.

The MXM Tower covers 14 floors (divided into business levels and lifestyle levels) and it includes a gym, a training Hall, a business centre and the corporate office. 

Membership Programs - Suprema Ikhlas (Takaful) – 350i & 500i 




Jadi, apa isunya pasal MXM ni? Daripada penerangan tentang syarikat MXM kat atas siap dengan apek posing kung-fu dan bangunan ceno'net kat Phileo Damansara tu, semuanya nampak OK aje kan? Daripada flyers dan sijil akta jualan langsungnya pun takde hal. It's just some Chinese guy who wants to sell insurance to Malaysian consumers - but wait, Chinese businessmen are smart, dontcha know? Come on, everyone knows that. Dia dah sediakan prasarana bzns dengan modal juta-juta ntah datang dari mana, dan dia dah buat satu skim insurans yang patuh undang-undang dan berdaftar - then, comes the catch.


Macamana nak pasarkan kejadah insurans ni dengan cepat? Korang terfikir tak bahawa businessmen cina kat Malaysia tengah memerhatikan masyarakat Melayu dengan teliti? So, what did they find out? Orang Melayu ni paling suka MLM dan skim piramid (sedangkan chinese hanya suka jadi tekong/mastermind skim tu), dan orang Melayu ni cukup senang kena hasut dan dikabui matanya dengan janji kemewahan dalam masa yang singkat - dan rata-rata tak paham sepatah haram pasal "economics and mathematics". Tak faham sebenarnya apakah itu "sustainable businesses". OK... ada yang faham, tapi yang cekap bidang ekonomi dan matematik tu semua dah kaya-raya buat legit business, jadi CEO, CFO, COO... atau jugak jadi lecturer, atau sebok main golf hari-hari (dan takde facebook account pulak tu). Tak ramai orang Melayu yang dah kaya-raya tu nak kesahkan nasib berduyun-duyun bebudak Melayu yang sengap-dungu-piang yang asyik kena kencing saban hari kat Malaya neh... who cares, right? As long as my 8-iron is in tip-top condition, who the fuck cares?

So, camane apek kat atas tu nak jadikan orang Melayu pelanggan produk insurans dia? Suruh orang Melayu tu sendiri buat kumpulan pemasaran yang boleh menjajap produk ni kat sesama Melayu dengan kaedah skim piramid - dan bila satu masa nanti perkara barua jual insurans dengan kaedah mengencing sesama Melayu ni bungkus, crash, collapse, diharamkan, atau whatever... si apek akan cakap: "mana gua tawu looorr... itu olang meleis punya celita sendili lor kalau dia olang mau buat skim pilamid. Gua juai insulan maaa!"


Penerangan tentang P8G di bawah di ambil dari website/blog promosi:

Power 8 Group (P8G) ditubuhkan oleh sekumpulan ahli-ahli MXM International (M) Sdn. Bhd. (MXM) dan kami adalah ejen-ejen berdaftar serta aktif di seluruh Malaysia. Kami mempromosikan Kad Keahlian VIP MXM – Medical Card PERCUMA untuk semua ke seluruh pelusuk tanah air. Impian kami, semua rakyat Malaysia akan memiliki Medical Card VIP – malahan mereka semua boleh PERCUMA!

MXM International (M) Sdn. Bhd. ditubuhkan pada tahun 1998 dan merupakan sebuah syarikat yang memperkenalkan Kad Keahlian VIP – Medical Card PERCUMA untuk semua, melalui satu program Kad Keahlian (Membership Card) yang berlesen. MXM adalah syarikat gabungan di bawah Kumpulan Kam Holdings dan juga PATHLAB yang ditubuhkan sejak tahun 1952. MXM merupakan 'pengurus program' kepada Kad Keahlian ini.

Pathlab Health Management Sdn. Bhd. (PHM) adalah sebuah syarikat di bawah gabungan yang sama yang juga merupakan Ejen Korporat kepada Syarikat Takaful Ikhlas Sdn. Bhd. (TISB). Oleh itu, PHM boleh mempromosikan produk TISB.

Takaful Ikhlas Sdn. Bhd. adalah sebuah syarikat Takaful (Syarikat Insurans Islamic) yang mengeluarkan polisi Takaful (insurans) kepada ahli-ahli MXM.

Pemegang kad keahlian MXM akan menerima satu polisi takaful (Medical Card + PA) daripada TISB. Ahli-ahli boleh memperkenalkan kad keahlian ini kepada sesiapa sahaja dan akan mendapat komisen yang lumayan dan berterusan.


Yeehaa! Medical card saya percuma - anda bila lagik samdol? Hanya perkenalkan skim head-hunting ni kepada 6 orang sahaja, anda akan dapat insurans FREE! Wait... HANYA 3000 agen diperlukan di seluruh negara sahaja ke bang? How meh? 1, 6, 36, 216, 1296, 7776... camane pulak tu? Kalau anak angkat dajjal numero uno pengikut cinapek MXM dapat insuran free dengan head-hunting 6 orang lain, yang 6 tu pulak dapat insurans free bila dia orang pulak cari 36 orang lain, pastu 216 orang, pastu 1296 orang, pastu....? Yang 1296 orang tu nak dapatkan insuran free daripada sapa pulak? Kalau setiap orang nak dapat free, dia orang kena cari 7776 orang lagi, tapi MXM nak 3000 agen sahaja. Daripada 1296 ahli MXM yang kat level 5 tu, hanya 240 aje yang boleh dapat insuran free - yang lain-lain 1056 orang lain semua kena kencing la ya dol? Tapi takdenya 240 tu akan dapat der. Sebab masing-masing akan berlumba cari downline, dan masing-masing takleh dapat insurans free tu, sebab tempat terhad. Yang dah hancing tu kiranya ahli MXM yang slowpoke dan lembab ke apa? They deserved it because they join late huh? Ini janji business jenis apa neh? Janji kap lam ya nga? Rasanya takde la kap lam ya nga yang aku kenal buat keje macam gitu. Secara sengaja nak kasi orang rugi buta-buta ka wahai pencacai MXM dari kalangan orang Melayu yang bodo-piang? Suka sungguh la korang telan duit skim piramid yang macam gini erk?


Aku pun tak tahu la nak cakap apa tentang kebahlolan sesetengah orang Melayu ni (sure aku tahu bla bla bla...), gilos dowh! Benda scam sebegini simple pun takleh nak pikio, kejadahnya ntah. Daripada plan pemasaran daripada website/blog promosi benda ni pun dah nampak clear skim piramidnya. Tak kesah mana pakej kat atas tu ko ambik, kadar kerugian ahli yang beli insuran cokia' ini dah "fixed" awal-awal lagik. Dalam sistem perniagaan yang ada syarat pencarian downline untuk dikencing dalam mulut seperti yang dilakukan oleh kumpulan dungu P8G ni, kadar kerugian akan bergantung kepada berapakah downline minima yang seseorang ahli perlu cari. Maknanya, seseorang ahli dungu ya amat yang dah join, perlu cari berapa orang downline yang sama dungu ya amat, untuk dapat habuan yang dijanjikan tu? Jadi, dalam scam MXM ni, kadar minima downline adalah 6 (cita-cita tinggi, tapi tak bertempat langsung) kadar kerugian ahli adalah 83.33% - tak kesah kat level mana ia crash/collapse. Sistem carian 6 downline tu dah sememangnya suicide betol. Lagi banyak downline, lagi cepat la skim ni crash - woi bahalol nak mampos korang kat P8G tu ye? Cinapek kat MXM tak ajar korang cara scam yang lebih baeek daripada ini ka dol? Haiya apek!


Ha! Rajah yang ini pulak suruh jana pendapatan berterusan dengan setiap mala'un cari 12 downline setiap sorang... wadefaaaaak? Lagi merapu gila babat tahap gaban. Kalau jumlah ahli kat level 7 sahaja dah memerlukan 3 juta orang yang perlu beli insuran murah ni (insuran murah tapi jual mahal macam cibai). Ada ke 3 juta orang Melayu yang sama dungu setara dengan Melayu geng P8G ni? Seriously? Berterusan kejadahnya? Kat mana la dia orang ni dulu sekolah? Jenoh man memikio nye. Apekehenye yeop dungu bebenor kome weh? Kalo ghamei le bebudok Melayu macam kome, abih tumpo mesia ni tak lame lagi. Ateeer...


Tu dia! Agak-agak berapa ramai la Pak Pandir dan Mak Lampir di luar sana yang akan dapat wet-dream setiap malam bila memikirkan janji pendapatan seperti di atas - pendapatan 1 juta hengget tu dol! Setiap orang dapat 1 juta hengget ka? Kalau level 3, setiap orang dapat sejuta jugak ke? Maknanya MXM kena jual insuran sebanyak 2 BILLION hengget tu... hahaha! Oh ya, 1 juta ringgit setiap tahun ke, setiap bulan ke atau setiap hari tu samdol P8G? Cari aje 12 downline setiap sorang ha? Dan tunggu dia orang cari 12 downline masing-masing, dan lagik dan lagik -  lepas tu orang-orang yang kat hujung tu dapat apa dol? Dapat taik kucen? Gini aje la bang - apa kata korang ahli MXM semua tu pakat bunuh diri ramai-ramai. Suicide aje la - terjun lombong, terjun gaung, makan racun tikus, pegi tengah laut dan karamkan bot korang tu - apa susahnya beb? Akui aje la orang Melayu macam korang tu semua dungu tahap donkey dan takleh diselamatkan lagi dah. Berterus-terang aje sudah... everybody happy. Especially cinapek MXM kat bawah neh... sure happy punya. Duit korang tu semua dia orang dah kaut, pastu korang pulak semua dah mampos suicide - jadi takleh buat bahan bukti kalau KPDNKK nak saman dia orang. Ah! Aku dah give-up dengan KPDNKK - benda ni bukan benda baru pun. Skim piramid yang di "recycle" aje pun. Kes yang dulu daripada cinapek yang sama takde pegi mahkamah ke, apabenda ke. They just get richer. They just changed the name, repeat the scheme, and get new Malay dickheads-dumbshit to join. Show me the money... yeah baby yeah!



Sebenarnya, kejadah scam skim piramid yang ini dah memang femes daripada beberapa tahun lepas lagi dah - hanya orang Melayu tu aje yang tercangak-cangak tak tahu apekebenda scam ni. No surprise there, you agree? Lepas sekor-sekor lembu berbangsa Melayu tu semua kena cucuk idung oleh geng cinapek dan geng tali-barut cinapek, dan seterusnya diarahkan mengencing seramai mana orang Melayu lain yang dia orang boleh dapat. In the end, ada la beberapa ketul orang Melayu yang perangai macam lanun dan penyangak jadi kaya dengan hasil duit haram-laknat style alkafirun penyembah berhala, dan beribu yang lain dapat shiiiit. Aku tahu pasal insuran scam ni rasanya dah dekat setahun lepas dah, cuma sejak akhir-akhir ni dia naik balik sebab ada kumpulan orang Melayu tadi tengah semangat nak buat palat pada bangsanya sendiri - atas arahan alkafirun kat Damansara tu la kut. 

Kat bawah ni review daripada forum Lowyat yang aku pernah baca last year, yang mana nama scam ni asalnya adalah MGM, or whatever. Dan komentar di bawah ni adalah daripada seorang berbangsa Cina - you better believe it. Orang Melayu yang buat kumpulan P8G kat atas tu aje yang semuanya kategori fucking assholes satu-sen-tarak-guna. Dah ada orang Cina yang nak sedarkan pengguna tentang skim piramid ni. Of course, obviously dia nak kasi tahu perkara ni kat bangsa dia sendiri yang sebenarnya, tapi forum Lowyat tu semua orang baca, jadi semua bangsa boleh dapat info ni. Orang Cina tu sendiri ramai yang tak suka scam sebegini, dan dia orang tu sendiri tahu halal-haram rezeki dia orang - so to speak. Cuma geng Melayu Islam yang sesat macam bahalol P8G aje yang hobi dia orang suka buat taik. Kat forum Lowyat tu, semua orang boleh baca maklumat ni, kecuali bebudak Melayu macam Mohd Yusri Jamil dan mereka yang sama waktu dengannya - asyik ketinggalan zaman macam cipan - ya, ya, cipan jugak kena erk? Fred Flintstone dan Barnie Rubbles tu sebenarnya lagi maju dan bertamadun daripada orang Melayu yang join scam MXM ni... trust me. Anyway, sila baca dan fahami apa yang stopscam007 ulas tentang MXM:

stopscam007: This is a master scam among the younger group, very successful 2 or 3 years ago but since there 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.

Dear stopscam007... 
It's the Malay dumbshits that are really worthless. 
Thank you, Aidid Mu'addib.


167 comments:

katakbiru said...

yeayy! 1st!!
thanks bro AM sbb kasi warning :P

Rose said...

wah, xde cite hantu la malam nie

sya fiq fox said...

=_="

missatieah said...

yeah....i like....=b

ak47suk1 said...

takaful pulak diMLMkan. sigh

Aidid Mu'addib said...

ghost story will come when u least expect it...

Rose said...

Unpredictable..i like!

Bro Aidid, kita nak kawan dengan awak kat fb, kita dah email (gmail) mintak add. Harap awak nak kawan dengan kita...

chesoll said...

Setahu saya, Malaysian Takaful Association (MTA) meWAJIBkan setiap perunding takaful untuk LULUS TAKAFUL BASIC EXAM (TBE) sebagai pra-syarat menjd agen takaful bertauliah spt yg di arahkan oleh Bank Negara.

Persoalannya, semua yang distribute Takaful Ikhlas punya plan melalui MXM ni ada g amik exam tak?

P/S: Kecewa sbb So far Takaful Ikhlas sgt concern pasal isu HALAL HARAM. knp boleh terJV MLM pulak. huhu

azwan said...

Ya ya ya...same modus operandi. Byk ke melayu yg terlibat nih?

Aku baru jumpe 2 kawan cinoapek aku kat old town. medical line jugak, punyela bangga husband wife baru quit gov buat MLM. Ape tu..Nu Skin? I give a four letter word, then dorang berambus.

missatieah said...

Nu Skin tu bukan ke anti aging product...rasa cm penah tgk kat tv..

Hanafi said...

no 11 ke aku, hehe

katakbiru said...

pernah jgk dgr tentang kena amek exam utk jd ejen yg bertauliah tu..kesian org jual insurans yg betul2..sec x langsung mencemarkan imej mereka..nnt sume ingat jual insurans tu MLM / SP

missatieah said...

nk jual insuran kene exam dlu sbb member pernah bgtau...nti org tgk ejen insuran semua pakat cabut lari....sian

hyelbaine said...

Whoah? The scam is back? I remember reading about this back in '08 and it seems it's back in a different form.

Seriously? How daft can Malay's get in this country. Who the hell pays thousands for an insurance policy. One that does not even cover overseas! Only in Malaysia.

The daftness of Malay's seem to get worse with every scheme exposed in this blog. Really hope the trolls will come and defend this one.

I kinda feel sorry for the legit under writters who's name and reputation are being tarnished by these c***s

terjun.tanpa.parachut said...

Huh top 15...Penat la cam ni....agak2 cam ni tiap2 minggu pun ada skim piramid yang baru....

hyelbaine said...

Oh yeah. That exam thingy IS a policy governed under acts under the purview of BNM.

Ps: Still miffed at the daftness of some Malay's

osip said...

aha..obvious gile benda ni mlm..

ingatkan mxm ni multi sex marketing mula...hohoho

Izwan Sahari said...

haha...kawan aku bagai nak giler promote suruh aku masuk skim ni...dia kata kut macam mana pun org "perlu" kan insurans...kepala hotak dia....

azwan said...

I think the government understand these pyramid scheme in a different way. Please check this out..

http://www.nuskin.com/ns/my/images/pdf/dsam.pdf

missatieah said...

jualan di middle east~ ISRAEL....demmm

uculer said...

hensem lah konon buat posing mcm tu? (yang tgn bersilang atas tu?).

we all will see what we want to see (paraphrasing from terry pratchett's discworld). in this case, some people just refuse to see it. bentanglah mcm mana pun.

seriously org MLM, aku cadangkan korang MLmkan je Touch N Go. aku dah kasi cadangan ni.

hyelbaine said...

@ Azwan,

Acts without enforcement is a waste of time. Nak gubal akta anti piramid pun berjinggut nak tunggu sedangkan negara lain dah lama buat.

Mcm mana nak enforce acts or gubal akta when pak menteri sendiri terhegeh-hegeh pi potong reben launch skim piramid and MLM? :P

azwan said...

Yola,
Definition pun tak betol, tu yg mamat2 culprit ni senang nak manipulate. Tunggu cancer stage 4 baru la merangkak-rangkak nak betolkan..

osip said...

@azwan

banyak loophole dalam definition sistem piramid kpdn tu..senang je barua2 mlm ni bole terlepas..

no wonder makin lama makin byk org run bisnes ni..

Laila said...

@ bro Baine,

Totally. :)

azwan said...

MueheheheheHEHEhehe..
You think USIM will do "enforcement" on that Usretard? Without proper cable, I don't give any hope. Politics play significant role in this country whether you like it or not. You wanna be VC aaa...better stroke the minister's butt.

hyelbaine said...

@ Azwan,

Mrs ko oncall lagi kaa ini malam? Camner USIM bleh masuk comment thread ni plaks? :P

Hahahahah

azwan said...

MuehehehHEHEHEhehe..

Nope, she's not feeling well. Biasak laaa. Aku beli spicy olio segar sket dia.

Aaaa..jap lagi aku kopi pes kat thread sebelah. Like this Insurance MLM, whatever..i feel it is same like other MLM scam. I am also thinking of any good idea for Aidid for the next thread. That Mormon thread is the one I appreciate most.

Rose said...

Baine,
Echoing Laila.

Uculer - which character/book said that? My fav is (and I think it is quite suitable for this topic):

"There is a saying "You can't fool an honest man" which is much quoted by people who make a profitable living by fooling honest men."

gula-gula said...

tak pasal2 busuk nama insurans, takaful etc2. (-_-")

kesian kat orang jual insurans nanti kalau orang salah faham ingat produk insurans ni yang crooked.

Laila said...

@ azwan

Aku setujuk ! Ko bagilah idea yg kebam boom. Ai suka gak entri Mormon tu & i dug The Malay State too.

The only enteri sampai sekarang aku dok tunggu is MLM bisnes Dr. Jugah cendawan bukan kordi. Walaupon seropa ngan konsep MLM scam yg lain, tapi aku rasa byk angle leh "ridicule".

Dunno what shud i do to get tuan belog to write abt this company. Shave my eyebrow? Botakkan my long hair? Cuci keter tuan belog 10 hari 10 malam? Jadi coffee lady untuk seminggu? Jadi nanny for one month? Cuci toilet? Name it. Hahaha :p

azwan said...

Awat susah sgt laila..
Ko shave je pubic hair, konfem tuan belog buat. kui kui kui...(style MsAwin)

Yeee...taktik same, buat product je lain. takaful ke, ads4fuck ke, jamban ke, cendawan ke, hapo2 aje lah. bangang tetap bangang. bila productnye ade kelas sket, branding pun power. tu je lahabau nye MLM ni.

Laila said...
This comment has been removed by the author.
Laila said...

Cheh! Hahaha..azwan ko nyer mulut memang betul2 puaka, tarak insuran punya, memang takder tolok bandingan.


Produk ader kelas ke bangang ker , sama jer konsep. Same shit different arseholes. Sama gak ngan Dr. cendawannya biz. Tapi aku masih intrigued.

azwan said...

Cheh, mulut aku ada insuran MXM! Aidid kena naikkan dari 18SX ke 40PL. hehehehheh...

Yaa..that dumbass really hurt my profession. Mmg leh drill habis2. Tp dia takkan singgah punya...

Mane insurance defender nihh..

Rose said...

Hmm, hari ni hari echo Laila.

Sangat setuju about entry about Dr. Jugah. Sejak pertama kali ku melihat wajahnya, aku sentiasa teringatkannya...Bagaimana Dr Jugah boleh memformulasikan berbagai produk, dari produk kuruskan badan hingga ke kesihatan mata, tapi masih juga boleh membuat filem 'juta2', masuk akhbar sana sini, namun, masih dapat mengekalkan gaya rambut ala justin bieber nya itu...oh!

azwan said...

Aku penah tgk FB dia. Bukan setakat anti-MLM je nyampah kat dia. Mmg kena kutuk habis2, lagi2 pasal rambut dia tu. Sampaikan org purposely puji dia dulu utk umpan dia respon. bila dia respon je, ape lagi...laukkk kena hantam.

Laila said...

Betul tu Rose. Byk angle leh criticize macam yg you listkan tu! Pastu kasik link kat FB dia & umpan dia masuk belog ni. Gerenti kebam boom comment thread. Azwan dan mereka-mereka di sini gak yg happy & seronok gila attack dia ..

azwan said...

HahaHAHAHAhahaha...
That comes under the second objective of why I am here; for fun! Should give no chance, show no mercy to ddR. Kui kui kui..

cek chun said...

malam ni baca citer hantu insuran..
tokey posing ala-ala otromen menentang gorgon..

makin hari makin banyak lak MLM yang aku tak pernah dengaq pun.
ni memang wajib di sebarkan dah ni.

psstt..
aku tak habis senyum lagi pasai lawak cukur laila. azwan memang mulut puaka A punya.

tapi aku stil respek hang wan. walaupun hang cakap that u dont need any respect from others.
sanggup bertungkus lumus menentang puaka-puaka yang datang nak tegakkan benda/benang yang dah basah.

Laila said...

Yep cek cun, walopon sama kefundekan kompeni2 MLM ni, dengan pendedahan AM, at least org luar sana aware & leh stay away..sebelum terjerumus.


ps tuan belog bebs, what say you?

azwan said...

takdak tungkus lumus..type je, takdak susah langsung. Aidid punye kerja tu yg leceh btol nak buat. kalau aku, satu thread je aku sanggup.

Yaaa..setiap MLM mesti didedahkan walaupun modus operandinye samaaa. setiap MLMers mmg tak deserve respek. Buat kerja haram kurang hajar, buatpe nak respek? Sebab dia manusia gak? no way mannn...no way.

Melayu mmg jenis lembut hati..bagi salam dah lembut, minta maaf sket dah lembut. cina dok perati..bila dah paham melayu, amikla kesempatan. mane2 pun camtu..

cek chun said...

tuan tanah ni memang namanya teratas pun.
memang respek gila.


masa mana dia google, search, type, mengulas, men gitar, layan anak, layan bini, layan patients, layan Fb, layan perut dan mulut (makan sedap-sedap)

tak tercapai dek akalku.
hang tak penat ke bang???

ohh..my hero

Laila said...

tuan belog = part-human part-mutant

chun ko lupa satu,bola.

ps demm, sebabkan kopi kemarin, my sleeping pattern's all screwed up!

azwan said...

HhahahaHAHAHhahaah..my sleeping pattern has been screwed up since i was a houseman long time ago.

Kita pay tribute to the blog owner for all his unpaid hard work.

Anyway, why so serious (macam biasa denga?)? this is purely a cyber world. i don't you and you don't know me. When i say "fuck you", apesal nak terase sgt, it means nothing. sebab masing2 ade perasaan? haiya..

thats why its unnecessary to reveal who you really are. because the main idea is to project your personal views. revealing who you are is really2 a bad idea. unless you want to take one step further. pegi buat demo, buat memorandum, jumpa pak2 menteri, buat gerakan anti samy, etc.

Bomoh Hujan said...

tu dia proses jeling menjeling antara laila ngan azwan hahahaha...wa skodeng dari jauh ja :P

cek chun said...

hahahaha
betoi2 laila..
tang mutant tu ninja turtle pun kalah ni.
mana dapat power ntah.

part bola tu memang tak bleh blah. macam mana la aku bleh terlupa.

orang suruh hang bancuh saja weh, dok pi minum buat apa.

kau nak cara paling senang nak tidur?
pi kat blog dr jugah,
cari pic dia yang paling besaq,
bilang baper helai rambut yang terjurai kat depan tu.
tak sampai tiga puluh kompem lena

azwan said...

aku jeling nampak proximal thigh dia je, and part of her left upper limb. kui kui kui...

ape ko nampak bomoh?

Laila said...

azwan,

Sokong part tribute tu.

Btw, aku kompius , ko refer kat trolls ker yg terasa? Kalu trolls ignore jer. Rasanyer org kat sini ok jer..

ps hari ni hari aku kompius

Bomoh Hujan said...

azwan
nampak skrin ngan keyboard jer..hihihihi

btw.....xlarat nak mencarut dah..sebab kebanyakkan MLMer nih memang pekak dah...sian sian...

sedih jugak la...tengok betapa banyak entry2 dalam blog nih....masih ada jugak yang xboleh membaca....yela..kena washbrain ngan upline dorang terus buta kayu..xbley membaca dan faham...sian sian...

Laila said...

chun,

jugah ader blog ker?

Rose said...

Guys, dah baca apa Zohdi jawab? Peh, menyayat hati tu (comment thread Ads4bucks).

cek chun said...

laila
blog herba prima tu la

rose,
dok pulun baca fb ustat nih. baik sunggoh aihh tolong orang dengan duit MLM

azwan said...

Iyo Laila,
Itu istimewa buat trolls. Yg sibuk gunakan modal bahase nak defend product dorang.

Hell`s Angel said...

Berpinar gua baca komen haha

Santo said...

aku ade gosip pasal dr jugah. menurut kawan aku, abg dia adalah satu batch dgn dr jugah. abg dia cite yg produk2 dr jugah tu smua nye re-packaging je...bukan dia punye pun seperti yang didakwa. so kalau ade sape2 yang berminat nak siasat, acu try la.

psal MXM ni, no need to comment la. plain stupid. dari jauh lagi dh nampak that the train is coming.

chai n tea said...

ler..
dgn insurans pon depa wat style MLM gak ye

ibnubattuta said...

Arghh.. pagi ni menyesal aku pergi FB si usretard zohdi tu. terus hilang mood nak kerja. tengok gambar pun mcm psyco je. geli geleman. ambik gambar, fokus kat mata. cucuk mata tu kang.

Rose, chek cun.... ko berdua punya pasal la aku pg FB usretard tuh. ilang selera aku nak breakfast. Buek

Dia nak samakan "perjuangan suci" dia ber MLM ni dengan perjuangan Rasulullah. perjuangan rasulullah untuk menegakkan akidah, perjuangan dia? rasanya nak menegakkan batang konek je kot? x sama langsung apa yg dia jual dengan apa yg rasul buat. kalau jual kurma tu boleh jugak aku terima sikit. tapi pg jual add4fuck utk student. nak aku kata ikut sunnah nabi, whatdehel nabi jual MLM.
OOOO..... baru aku ingat. Zohdi ni ikut sunnah mormon.

raptorarena said...

From: ikhlascare@takaful-ikhlas.com.my

Assalamualaikum,

Thank you for writing to Ikhlascare.

We are investigating the matter and will assist you with a response within 2 working days.

Thank you.

Kind regards and wassalam.

Ikhlascare
Takaful Ikhlas Sdn Bhd
IKHLAS Point
Menara 11A, Avenue 5
Bangsar South
No. 8 Jalan Kerinchi
59200 Kuala Lumpur
Tel: 03-2723 9999


i've write to them bertanyakan apa status Takaful Ikhlas partner with MXM..as they said 2 working days..so kena tunggu minggu depan ah any explanation yang boleh clearkan kita semua jika ada..

('esok sabtu..sekerat hari..ahad public holiday..hari isnin boleh lah haaa..' -ibrahim pendek, ali baba bujang lapok) =P

Syahrulmanan said...

Saudara Aidid, jika OK, sila jumpa saya untuk saya terangkan apa KELEBIHAN beli Membership Card (dapat faedah Sijil Takaful atau Insurans dan lain-lain faedah) melalui MXM. Apa perbezaan beli dengan ejen-ejen insurans? Selama ini, hanya ejen-ejen insurans sahaja yang 'buat duit' kan? Kepada semua yang post comment, lebih baik teliti satu persatu, jangan 'diperbodohkan' dengan orang yang rasa dia 'pandai segala-galanya' - email saya, p8g@freemedicard.com.my, jadilah pengguna bijak.

hyelbaine said...
This comment has been removed by the author.
hyelbaine said...

6.(1) No person other than an operator registered under this Act shall, without the written consent of the Director General, use the word “takaful” or any of its derivatives in any language, or any other word indicating that such person carries on takaful business in the name, description or title under which it carries on business in Malaysia or make any representation to such effect in any bill head, letter paper, notice or advertisement or in any other manner:

MXM cannot just rely on being registered under the AJL act. They can't use the word 'takaful' if they're not registered under this act.

28. Any person who, by any statement, promises or forecasts which he knows to be misleading, false, or deceptive, or by any fraudulent concealment of a material fact, or by the reckless making (fraudulently or otherwise) of any statement, promise or forecast which is misleading, false or deceptive, induces or attempts to induce another person to enter into or offer to enter into any contract of takaful with an operator shall be guilty of an offence and shall, on conviction, be liable to a fine not exceeding twenty thousand ringgit or to imprisonment for a term not exceeding one year or to both

Yang bold itu semua common trait of MLM'ers, 'nuff said.

37. (1) No person shall act or hold himself out as a takaful broker unless he is the holder of a licence as a takaful broker granted by the Director General and is a member of an association of takaful brokers approved by the Minister.

No explanation needed for this clause.

Knowledge of and statement by authorized agent to be deemed knowledge and statement by operator. 66. (1) A person who has at any time been authorized as its agent by a takaful operator and who solicits or negotiates a contract of takaful in such capacity shall in every such instance be deemed for the purpose of the formation of the contract to be the agent of the operator and the knowledge of such person relating to any matter relevant to the acceptance of the risk by the operator shall be deemed to be the knowledge of the operator.
(2) Any statement made or any act done by any such person in his representative capacity shall be deemed, for the purpose of the formation of the contract, to be a statement made or act done by the operator notwithstanding any contravention of section 28 or any other provision of this Act by such person.

I feel sorry for the actual underwriters when you look at section 66 of the act. If MXM screws up, all the penalties governed by this act will be taken againts them.

@mal12 said...

Syahrulmanan,

We need an open discussion..

Syahrulmanan said...

MXM bukan jual insurans atau takaful. MXM jual membership card. Sesiapa yang beli MXM card dapat FAEDAH2 dan salah satunya ialah faedah INSURANS/TAKAFUL. MXM ada lesen AJL jual kad keahlian ini. Mudah nak faham kan?

cek chun said...

membership card yg macam medical card kah

raptorarena said...

mr syahrulmanan..

the issue is not about the card..but the issue is about the scheme that have been promoted is more likely resembles a pyramid scheme..

anybody can create one scheme..for example..'skim makan kedai mamak A secara percuma..tetapi kena cari 6 orang pelanggan yang akan support anda..'

still the same..just the product is different..the issue is still about the pyramid scheme and not because of the card..

Alfian_Troxion said...

waah... baru gue tau nak jual insuran pon buleh di MLM-kan. genius tol cara dia orang buat duit. dan pada masa yg sama , melahirkan ramai 'usahawan' malayu berjayooo!!! Pakcik kayo! Pakcik Kayo!!!! (Cumo yg join lambat bawah2 pak cik punya super duper muper guper downline tak kayo la....)

azwan said...

Dey Syahrul,
Aku dari awal2 dah paham business model ko. Faedah2 takaful, membership card tu semua isu2 lain. ko boleh letak 800 juta faedah2 lain dgn membership card ko tu. no big deal.

Isunye...ko buat ni semua dgn cara MLM, ko rase betol ke?

p/s:MXM punya business model, dgn petrol4all sama jek.

azwan said...

raptorarena, hahaHAHAhahah...
bagus! org lain pun paham macam kita.

Syahrulmanan said...

saudara raptorarena..

sila semak dengan KPDNKK, apa maksud dan pengertian skim piramid, sila teliti..

MXM menjalankan perniagaan ikut undang-undang yang SAH di Malaysia.

hyelbaine said...

@ Syahrul,

Which part of the act under section 6(1) did you not understand? Or do you struggle with English? Let me translate for you then.

Sesiapa pun selain daripada operator berdaftar dengan akta ini boleh, tanpa kebenaran daripada Ketua Pengarah, menggunakan perkataan "takaful" atau sebarang yang berkaitan dalam apa bahasa, atau lain2 perkataan yang menunjukkan bahawa ia membawa perniagaan takaful dalam nama, gambarang/penerangan atau gelaran yang gambaran perdagangan di Malaysia atau sebarang perwakilan pada kepala surat, kertas surat, notis atau iklan atau dalam apa bentuk sekalipun.

Faham tak? You cannot use the word unless MXM or YOUR organization is registered under this act.

Faham? Kapish? Understand?

sero said...

yesss Troll defender dah mari... tengok ape diorg ceritekan

Kagami said...

Ahahaha...giler bangang encik troll yg datang ni...sanggup serah leher kat lam blog ni...yabedabedoo

azwan said...

tak payah semak2 syahrul, ko baca sini jek..
http://www.nuskin.com/ns/my/images/pdf/dsam.pdf

skim bahlol ko mmg akan crash. masa tu baru terhegeh2 nak cari kerja lain, takpun buat skim MLM lain. ko bukan chess player syahrul, ko sekadar chess set.

Ape yg jadi kat org yg last2 masuk pyramid scheme ni syarul, lu tak pk ka? rakyat malaysia 30 juta je bai..jauh mana lu boleh pegi bai...bodo punya melayu laa..

raptorarena said...

mr syahrulmanan..

do u aware how pyramid scheme works..? by all means..can u explain it here using your own words..

at least kita boleh bezakan bahagian mana pengertian skim piramid KPDNKK dan pengertian daripada pihak awak yang kita boleh clearkan sama2..

Aidid Mu'addib said...

Syahrulmanan Skim Piramid Guy...

Wei! Talak baca punya olang ka dey? Ko ni dah baca artikel kat atas tu sepenuhnya sebelum kasi komen kat sini ke tak? Aku dah cakap awal2 lagi insuran cinapek MXM tu takde apa hal - takde apa hal dari segi undang2 manusia laaa.... Yg problem nye, org Melayu yg bodo-piang sengap-bingai macam korang tu yg tak reti nak buat bzns macam cinapek tu - kejadahnya nak insuran free dgn cara mengencing org Melayu lain dgn kaedah skim piramid? Suka sgt makan duit haram laknat erk? Tak faham2 jugak model bzns korang tu adalah skim piramid yg klasikal aje... takde putar-belit pun. Apa kebendanya ntah... buat malu betul.

Dan... satu lagik. Pehal la tak di selidik track record cinapek MXM tu sebelum buat bzns kejadah haramjadah sebegini? Syarikat tu pernah buat SCAM beberapa tahun lepas, yg mana org Cina dah byk kena kencing - skrg dia org pindah pulak kat org Melayu - gunakan Takaful Ikhlas supaya org Islam tertarik.

Why so naive samdol? Why so immature and lurus-bendol? Tak malu meh?

hyelbaine said...

Oi Syahrul, apasal senyap jer? Kau ingat senang ker aku nak translate ayat English tuh utk kau. Kau tanya org kat sini, aku punyer BM mcm hampas.

Oi, I'm not playing. You think I made up the act on my own? It's from here you ignorant c***

Takaful Act 1984
An Act to provide for the regulation of takaful business in Malaysia and for other purposes relating to or connected with takaful. Incorporating Latest Amendments up to Act A1306/2007 - cif : 31 July 2007


Ignorant wanker...

Kagami said...

Ala Abg Aidid, si mangkuk Syahrul ni dah buta ngan duit mana la nampak halal haram..kalau dapat duit sanggup jadi pawn dalam chess set pun takpe..kencing bangsa sendiri pun takpe..janji masyukkk...hmmph,typical melayu MLM-ers

ibnubattuta said...

weih syahrul....
Oooooo jadi bisnes korang jual kad je laa. skeping kad berapa harga? ribu-ribu setahun. mak aih, lagi mahal dari emas nih. sekeping kad tu berapa gram je berat dia. emas segram baru berapa ratus. kita kongsi2 sikit boleh? buat apa nak nyuruk-nyuruk e-mail. diskus kat sini cukuplaaaa. nak main suruk2 buat apa? nak diskus kaedah nak kawin lebih dari satu ka? kasi tau sket, kad tu kat mana korang pegi melombong? macam lombong emas gitu2. takkan nak melombong sorang2 kut.

azwan said...

errrr....nak carut bleh?

Aidid Mu'addib said...

The wanker wants to see me face to face for what actually?
Wanna wank me to death huh boy?
Nope... thank you very much.
Keep your hand to yourself please.

ibnubattuta said...

daripada jadi tukang cat aku nak jadi "pelombong card" yg berjaya.

hahaha kaw2 punya lawak ari jumaat nih

Syahrulmanan said...

Saudara Aidid,

Perlu teliti apa beza pengertian MLM dengan 'skim piramid'. Sebab itu ada lesen AJL yang dikeluarkan oleh pihak kerajaan.

Jangan hanya terlalu 'pandai' membodohkan orang lain.

Saya tidak nafikan memang ada yang menyalahgunakan lesen AJL atau berselindung dengan nama 'MLM' utk 'menyusahkan' orang lain.

Tapi saudara perlu teliti apa yang kami usahakan..

Khas untuk Saudara Aidid, saya lebih suka dapat berjumpa bertentang mata dengan saudara, saya akan jelaskan sebaiknya.

Saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana.

Email saya - p8g@freemedicard.com.my

Hell`s Angel said...

Ala ni macam scam holiday card jugakla u sign then u get discounts or whatsoever from resorts, restaurants and so on. Aku penah jugakla dengar penerangan diorang kat kaunter2 hypermart ni. Bila aku tengok hotels rate and discounted price listing, terus kena maki beradab je diorang ni. Rate dalam listing di mark up pastu the discounted price is actually the normal rate (not even corporate rate pun). Patut la untuk booking, encik kena call kitorang ye, kitorang akan buatkan booking ni. Wadefak. Plain scam.

hyelbaine said...

Oi Syahrul!

Buat2 tak nampak komen aku ker or buat2 tak faham? My beef with you is regarding the Takaful Act 1984 as arguing in terms of pyramid'ness of your work is just a waste of time.

Do you understand?

ibnubattuta said...

dia nak ajak main seremban. takkan x boleh kut? ada sesapa nak percaya dia nak ajak aidid main seremban? kalau ada sesapa yg percaya, ambik batu seremban telan sebijik2 sampai habis. lepas tu pikir balik... hahaha

cek chun said...

wan, just avoid using d female parts okeh

aku jumpa benda alah ni la bang,
pasal jus kurma, siap boleh untung 12 generasi

penyembuh penyakit digeruni??

http://www.khaltamarplus.com/
http://www.khaltamarplus.com/2010/08/pengedar-khal-tamar-plus-stokis.html

raptorarena said...

mr syahrulmanan..

does your 'carik 6 orang and that 6 orang kena carik lagi 6 orang' is not considered as pyramid scheme..?

ibnubattuta said...

"Saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana."

kalau ko sedar buat apa ko masuk? bodoh piang punya budak. wei co cakap biar betul sikit. nak keluar statement pun biar dengan data dan fakta sekali. bukan main hantam suka ati perut ko je dol. letak kat sini statistik mana yg cakap seramai mana yg telah berjaya dalam MLM ni versus yg gagal.

simn said...

hoho game start..manenye mr.Syahrulmanan ni..tgh mengumpul fakta ke? come on guys

ibnubattuta said...

"
Saya tidak nafikan memang ada yang menyalahgunakan lesen AJL atau berselindung dengan nama 'MLM' utk 'menyusahkan' orang lain."

ko lah tu. buat2 x perasan pulak.

ibnubattuta said...

sapa2 ada teknologi yg "canggih" sikit tolonglah bom e-mail diaorang nih. biar e-mail tu x dapat nak digunakan utk menipu bangsa kita sendiri.

@mal12 said...

Syahrulmanan,

1) PA+medical card-->what are the options your customer may have? can they choose all insurance/takaful operator at once (since u have 3 companies)?

2) As a customer, i wonder if the annual fee for the membership is really worth for the services/products provided/given in the package. -->as i'm only focusing at the insurance/takaful benefit rather than others..as we know we can get medical card+investment as low as RM1200/year. PA premium is only at around RM300/year.

3) 80 jutawan menjelang 2015..seriously??kalau da 80 jutawan, bape ahli (masih sopan) yg diperlukan utk feed jutawan2 tu?..bukan ke nnt ahli2 kt bawah tu akan kerugian sbb tiada siapa akan menaja mereka?..

zulfadhlimansor said...

bagaimana nak menjana pendapatan tanpa had? tanpa had? infinity? masalahnya, rakyat msia pun bilangannnya ada had.....

aduuuhai. kalo dah nak kaya tu, logik pun dah x pikir lagi dah.....

las las melingkup d tepi gantang juga....

Neotoxin said...

quote @syahrulmanan
"Saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana."

ramai yang berjaya?lebih 2 org kira ramai la ek? ahhahhahha

azwan said...

Hurmmm..
Saudara Aidid,

Perlu teliti apa beza pengertian MLM dengan 'skim piramid'. Sebab itu ada lesen AJL yang dikeluarkan oleh pihak kerajaan.
--> 1 cari 6, 6 cari 36, 36 cari 216, 216 cari 1296..tak jadi skim piramid ke bai? Straight to the point. Ko pasti ke setiap org tu dapat cari 6? Kalau yang tak dapat kira risiko sendiri? Hoo..tapi bukan main lagi masa promo,
"saya akan bantu awak sampai berjaya"
"ni peluang seumur hidup"
"org lain boleh buat, awak ada mata kaki tangan kurniaan Allah, kenapa tak boleh buat?"
"Kita buat benda ni sama"
"Kita ni macam adik-beradik"
What the fuck la syahrul, ko cakap ikut burit ke? nyesal tak belaja tinggi2? ko dah jilat cina punya bontot yg tak basuh tu, tu yg susah sgt nak paham yek..

Jangan hanya terlalu 'pandai' membodohkan orang lain.
--> Underestimate org2 yg ada kat sini is your biggest mistake. byk kali dah aku ulang..tuan belog ni penyampai je, aku bukan nak setuju semua yg dia tabur.

Saya tidak nafikan memang ada yang menyalahgunakan lesen AJL atau berselindung dengan nama 'MLM' utk 'menyusahkan' orang lain.
--> hHAHAHhahah..benda lahanat yg ko join tu sama la. baik ko focus ape yg hyelbaine tu tanye.

Tapi saudara perlu teliti apa yang kami usahakan..
--> sape2 kat sini leh spend 1001 malam study model bisnes ko. tapi 1 cari 6, 6 cari 36, blablabla yg terjojol depan mata tu mmg classical skim piramid yg berselindung di bawah perkataan "takaful"..alhamdulillahhh!!

Khas untuk Saudara Aidid, saya lebih suka dapat berjumpa bertentang mata dengan saudara, saya akan jelaskan sebaiknya.
--> Aidid dan anti-MLMers sini tak berminat nak jumpa dgn sampah.

Saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana.
-->baru baca satu entry dah buat conclusion. dey fuck, org telah berjaya takkan join skim pyramid sial. tgk pun dah tau. ini semua kerja bdk2 baru nak blaja hidup. Serius aku kesian ko ni, dalam delusional state. beria2 perasan ko la yg paling positive, paling nak berjaya, paling gigih, walhal reality dunia kat luar sana, haram jadah ko tak perasan. Hahaha...ko, sampah same jek.

Mazhanim Mohamed said...

En. Syahrulmanan..

Ambik je la PCE, CEILI, pastu TBE kalau betul sgt nak buat insurance dgn takaful. pastu FOCUS. jgn nak buat MLM kejadah semua nih..

http://aniesandyou.blogspot.com said...

ada yg kena sumbat ngan medical card ni

herman said...

salam,
yang pasti ni bukan syarikat INSURANS/TAKAFUL. Syarikat ni create sistem MLM tapi involve dgn syarikat TAKAFUL. Tapi persoalan saya, macam mana syarikat TAKAFUL tu boleh terjebak dengan sistem ni. Padahal mereka lah yang selalu bercerita pasal halal haram yang begitu tinggi ( bg yg dalam line ini )

Benda ni semua pasti akan mendatangkan mudarat pada consultant2 INSURANS/TAKAFUL nanti. Sebab kalau ada keburukkan pada masa depan, customer pasti akan BLAME pada 'ORANG' INSURANS/TAKAFUL.

p/s : kami amik exam dulu sebelum jadi consultant SAH INSURANS/TAKAFUL ni.

@mal12 said...

sure..die ni cam company marketing jek..yg approach insurance/takaful operators utk masukkan skali dlm pakej kad ahli diorang, so sekaligus promote insurance/takaful tu sendiri (benefit to the insurance company)..it seems legal..cuma yg jadi isu ialah kenapa mesti ia di MLM kan..dan itulah yg diorang fokuskan, menjanjikan kekayaan kepada prospek (target 80 jutawan tu..wohoo), walhal % yg akan rugi tu xnk lak diorang fokuskan..ngaku jek la..xdenye diroang nk promote sgt benefit insurance/takaful tu sendiri..

AngeL BeaR said...

My sister dah tersangkut nak buat NU Skin tu....ari tu orang yg nak paksa I join Nu Skin tak dapat tarik I masuk....mana tau ada lak ada yg terlepas dan tarik my sis join....haih...dah bagi nasihat degil sangat....dah taksub sangat ngan product AgeLOc tu...bukan murah!!!! harap2 ada la someone buat pendedahan betul bole harap ke tak product diaorang tu.... *sigh*

It Just Me..... said...

@_@

Wan, die hengat die sorang plg terpelajar kut, die tak kenal ko sapa wei...mebi die ingat ko budak2 baru akhil baligh...hahahaha...die tak sedor kat dlm ni umor masing2 dan jadi mak bapak org...bukan mumayyiz...:P

Baine,
Ko tulis la bahsa apa pun, die bukannya paham...(denial sydrome)

MXM aku ni betul la..ada sijil beranak,sijil nikah,sijil kursus kawen...ner ada haram...apa la korang ni...aku dah jenuh melobi tau...banyak kad kat aku nih, cemana aku nak jual, korang punya pasal lani....sob sob(smbil kesat air idung T_T...

Miss Ted said...

@syahrulmanan
walaupun korang claim 'jual kad membership' je, but bila korang explain benefits tu, kan ke termasuk the takaful punya benefits. mesti punya korang kena cerita...or are you telling us bila nak cerita bab takaful je korang akan panggil registered takaful agent to explain? i doubt it.

tengok pada excerpt akta yg hyelbaine raise tu..mmg apa yg MXM buat ni dah menyalahi akta pun.

on that note, siapa penguasa for this akta ya, yg govern aktiviti melibatkan takaful? i think a report is in order to make the authorities aware.

-------------

i'm seeing a progressive movement, kinda like a snowball effect here from this blog, dulu pembaca duk komen2 je, then start contributing with additional facts and research, and now towards instigating external parties that have interest towards wrongdoings of these MLM quarters.

kudos to u all. mungkin quantum of the real effect belum nampak jelas lagi at this point, but i believe this is all definitely NOT in vain.

WV - comicins (takde comicins in RM pun aidid tulih blog ni.)

azwan said...

Herman,
Ko jgn risau, pembaca sini tak bangang2 mcm budak MXM. Takaful is takaful, nothing to do with MLM. Macam bisnes model petrol4all, dorang gunakan Petronas utk naikkan kredibiliti syarikat. dan kad mesra tu sebagai frontline product. tu yg hampeh tu. dalam kes MXM, gunakan takaful, yg ada gaya2 bahasa arab ni utk lembutkan hati melayu.

padahal taktik bangsat je semua. 1 cari 6, 6 cari 36..last jumpa mat rempit. then bagitau mat rempit:
"saya akan bantu awak sampai berjaya"
"ni peluang seumur hidup"
"org lain boleh buat, awak ada mata kaki tangan kurniaan Allah, kenapa tak boleh buat?"
"Kita buat benda ni sama2"
"Kita ni macam adik-beradik"
Last2 jumpa mat rempit, downline ke 2367. mat rempit bungkus. dahla merempit, duit tak byk, habis plak dgn MLM. Bagus sgtla tu. dulu blaja malas...hambekkk!
The vicious cycle goes on and on...

Angel Bear,
Nu Skin sama jek. piramid scheme. nak kata credibility product, USANA lagi bagus. no difference.

Aidid,
Mungkin pasni ko leh tulih dalam bentuk chronology macam mana business model dan system MLM ni EVOLVING dari dulu sampai skang. dari classical scheme sampaila ke siap dgn compensation plan macam USANA. Seolah-olah zero risk, semua akan berjaya. Buat dalam bentuk kronology, tahun ke tahun, contoh2 pengiraan. HEHEHEHhehehEHEHHE...aku cakap boleh la bro.

ps: bagus betol khutbah jumaat tadi. pasal merokok je. straight to the point, penuh fakta dan kajian sains. hukum pun haram. agaknye mlm ni macam hisap rokok, dah tau salah tapi buat gak.

Hanafi said...

woohoo

@mal12 said...

bro azwan, agree wif u..mlmers mmg mcm perokok..diorang sedar keburukan die..but still nk buat jugak..dunno why..mcm mlmers, diorang pon sedar kalo dah dok bawah2 tu jgn berangan la nk merasa komisyen jota2 mcm diamond kebenda level tu..(termakan pujuk rayu hasutan org atas jek)..sedangkan yg dok pong pang2 tu pun belum tentu level mane..konon jekla bergambo depan bmw org lain..realitinya..hhmm..tu pon masih nk mengharap lagi..haih..

Santo said...

tah ye encik syahruman...no need to teliti your scheme la. it's plain scam from the first sight.

Santo said...

kalau sape2 nak ambik takaful insurans at the same time tak nak rugi kalau x guna..cari pakage TN Prima. every 3 years you will get certain percentage of your investment before tempoh matang, at the same time you are covered like any other medical card. tak la mahal mane..aku byr RM 200 je tiap2 bulan.

razak said...

syahrulmaman:

Saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana.

silent reader ramai bro..saja x tunjuk muka..mcm aku..haha

@mal12 said...

uik Santo..TN Prima?nama company ka?..sorry x familiar..haku baya RM100 jek tiap2 bulan..mb sbb da mule dari muda kot..kui..kui..

Kagami said...

Encik Syahrul apa la bingai sgt awak nih...it's plain and simple benda ni skim pyramid..tak payah la nak berkentut nak tegakkan benang yang basah..it's useless kami pembaca blog ni takkan sewenang-wenangnya akan akur dan kentutan encik Syahrul malah kami akan terus menyebarkan betapa pembohongnya cik Syahrul,MXM dan semua MLM yg lain.

ska said...

MASALAHNYE...... MANE SYAHRUL MENGHILANG NI?!

JAWAB LA!!! TGH CALL UPLINE KA SURUH TLG JAWAB??!!

raptorarena said...

dia sedang reka ayat untuk back up diri sendiri n post kat blog dia kot..hehehe..

Annette Michelle said...

Tengah garu-garu kepala sambil mikir apa yang Hyelbaine cakap tadi - wanker. Nak kata orang tu 'jerk' atau 'pickle tickler'? ngeeeeee.... kompius. :p

ps: Aidid memang vass. Mamat Serbia pun baca blog ni hahaha!

Rose said...

raptorarena,
Well done for highlighting this issue to Takaful Ikhlas. Can't wait for the response. I also really like your kedai mamak metaphor. It's short n sweet, just right for a blur head (anything to do with commerce, economics, business) like me.

Annette Michelle said...

Agaknya ramai orang MLM yang dah jadi paranoid sejak blog ni meletopz. Sebab Aidid dah kasi didik sama kita worang juga supaya tak terjebak sama itu MLM juga.

Aidid memang jahat. Wanker! ;P

hyelbaine said...

Eeerr.... Annette?

How about we keep the 'wanker' title just for MLM'ers ya? Kesian Tuan Aidid pun kena label benda sama jugak ;)

Hehehehehe

Aidid Mu'addib said...

Now, I'm a wanker too?
Aiyo mama!
Dear dearie (my wife),
I don't wank, you know that...

Aslina said...

sebenarnye blog ni memang best la untuk aku hilangkan rase bosan sepanjang hari/minggu tunggu thesis approve, nak cari keje, dari tengok movie...sebab aku memang takde keje nak buat selain kemas umah.

aku pelik la orang2 MLM ni kemain lagi banyak idea depa nak auta buat skim macam2... pastu mesti ada je bongok kene tipu...

dah kene tipu... kene bahan dalam blog ni pun still tak sedar2 diri datang jadik clown kat komen sini plak...

neway, good la aku sangat2 terhibur macam tengok royal london circus masa darjah 6 taon 1997 dulu...

::MissiEz:: said...

Noun: wanker

1. [offensive] (informal) a masturbator
2. [Brit, vulgar] Insulting term of address for people who are stupid, irritating or ridiculous.

Derived:
Verb [wank]

Conclusion:

According to def 1, well, only Aidid knows. hahahahahahaa

According to def 2, no, Aidid is NOT a wanker.

sekian pelajaran hari ini.

Ref: WordWeb. easy to download, easy to use. free oso!

Aidid Mu'addib said...

Not a wanker, I prefer NEMESIS.
nem·e·sis (nm-ss)
n. pl. nem·e·ses (-sz)
1. A source of harm or ruin.
2. Retributive justice in its execution or outcome.
3. An opponent that cannot be beaten or overcome.
4. One that inflicts retribution or vengeance.

Or according to Brick Top in the movie Snatch:
A righteous infliction of retribution manifested by an appropriate agent, personified in this case by an 'orrible c**t... me.

Santo said...

@mal..

TN Prima adalah nama salah satu package insurans oleh takaful nasional..tapi skrang takaful nasional dgn malaysia dh bergabung aku dgr..jadi takaful etiqa..it's an investment at the same time cover medical..aku buat ni thn 2005...skrang dh mcm2 jenis medical dh ade..aku x tau sbb aku x update info.

hyelbaine said...

Hahahaha, what else do you want from a blog? Math and stats knowledge ada, scientific knowledge ada, economics knowledge pun ada and now? English vocab pun ada. Brilliant.

Kalau malas nak baca jugak then mmg tahap malas lah jugak.

@ Santo,

I think they were bought over by Maybank hence the name etiqa. Not too sure myself.

ibnubattuta said...

mana budak samdol shahrulmanan ni pegi? takkan dah cabut kot?

ScaZ said...

ermm...pandai btol diaorg nie meng'kambing' hitamkan takaful tuh..huhuhh...melayu kalu nampak ala-ala islamic skit..kire bolehla tuu...hehe...macam2 ada...
scaniaz last post
Gadis Melayu Cun Buat Skandal Di Pejabat!

Laila said...

abe sarul tak masuk dah ker?

MLMers n semer sama , sesikit nak jumpa, nak terang pasal produk nak kena jumpa, nak tunjuk "clinical proof" pon nak jumpa, nak jawab soklan simple pon nak jumper..cam top secret gegiler..hampeh.

Sekiranyalah aku ni potential client depa yg asyik bizi wat kopi siang malam tapi ader duit nak invest lam MLM sepek ngan biocard magic contohnya, how to meet one?


Hey kitty..kitty..

hyelbaine said...

Proof speaks louder than any meet up can make. If facts are presented, no matter what language is used, facts will always speak volumes that no words can ever make.

One might be able to talk their way to a gullible person but those who understand and able to differentiate between facts and spin.

Laila said...

We haven't seen any shred of facts from these terols, meeting-up is only an excuse to get themselves off the hook. .

Can't expect much from them, they're just parroting the sales scripts & what were taught during those endless MLM seminars. Those are their "facts", not discounting the testimonials. If MLMers with stronger academic background who're believed to have better assessment of things (and life) become the prime advocates of MLM cults regardless of whether they believe in what they are selling/ ethical, we can't really expect the rest of the minions would go a step further & challenge the status quo . Ka-ching bebeh!

Papa Chang said...

Nu Skin muncul kembali? ade lagik ke stokis hebat dorang kat sblh Showroom Porsche sblh PNB Darby Park tuh..??

teman dulu pernah terlibat dgn mende neyh.. memula teman agak tersaiko jugak.. tapi bile mamat yg diwarwarkan dah hebat tuh pakei talipinggang same mcm yg teman pakei rege rm20.. ptuihhh kompom teman kene bedaah jerr dgn deme..

it wos 8 yers ago.. waddefisyyyh!

semutbesar said...

mlmerz going down, hehe

ScaZ said...

tapi kan..sekarang nie tak kira la syarikat ins mane2 pun...sume da start cari panel syariah masing2..well..matlamat tak boleh menghalalkan cara la bro..lu pikirla sdirik!
scania hot post... Jom Kita Gi Melawat Ladang Ganja!!! Penah tengok ke?! Serius!!!

Rose said...

ScaZ ni, ala2 mastika/national enquirer versi blog ke? Janji tak buat MLM sudah...

hyelbaine said...

I wonder what ever happened to Syahrul or whatever his name was. I'm still waiting for his response on the Takaful Act 1984 that I asked him about.

Hhmmm... Upline aka wanker still can't come up with a suitable response yet?

azwan said...

Mane dia nak dtg sini lagi. dia kan nak jumpe tuan punya blog, nak aidid masuk MLM. kah kah kah!!

Hell`s Angel said...

Dia cabot la tu... Takde point nak lawan...

Off Topic jap...
Forum carigold tu pun satu bala betullah
. All the scammers are hanging and lurking over there looking for preys. Dalam bulan ni je, i got 3 cases of fraud all related to carigold forum that i need to handle. Managed to half settle one last nite and the sad thing is the conman was united states grad. I wonder what is happening with the meleis? Ni meleis tipu meleis punya kes. Damn. Conman satu hal, the prey satu hal jugak tamak pasal tu boleh kena con. How pathetic. Agaknya meleis ni memang suka cari jalan nak cepat kaya ye? Conman pulak kena tangkap dengan anak bini dah bini menangis meraung-raung anak pun sampai tertido penat. Sib baik la yang tangkap semua melayu islam baik hati kesian kat anak bini siap bagi makan apa semua. Kena dapat kat along cha ya nun alip, mampuih la dia. Meleis oo meleis... we need to change seriously we need a very drastic change

aku the great said...

bila sy bc entri ni br sy teringat kisah 5 thn lps. slps sy amik kad kredit bank islam, sy dikempen supaya mencari 6 org utk apply kad krdt yg sama. jika sy berjaya cr, sy akan dpt ganjaran(x igt apa dia coz dah lama). so, apa cer ye? bila sy fikir blk, dh mcm MLM plak caranya.. sy x layan pun kempen tu sbb sy tau bukan mudah nak pujuk org lain apply kad krdt..huhu

ibat said...

sape dr jugah?
sape ustaz zohdi?
mne nk baca info diorg?

Rose said...

Ibat,
Dr Jugah = Dr Rozmey (belum ada entry, tengah begging AM to make one)
Ustaz Zohdi = previous entry

5c1d said...

"saya juga sedar blog ini hanya disokong oleh sebahagian kecil orang yang anti 'MLM' itu sendiri. Bukan mewakili ramai lagi orang yang telah berjaya di luar sana."

golongan ramai maner yg berjaye dgn mlm kat luar sane tuh??golongan muflis yg buat loan beriban2 tuh ader ar...skang nih thanx tu aidid ramai lg yg sedar dgn skim2 bodo piang punyer melayu nih...

n0tangel said...

Insurans pun dah kono MLM, lopeh ni nk berak pun kene ade skim piramid gak kot? kekekeke... tak koso den do!

hyelbaine said...

@ Hell's Angel,

The few times that I went to that forum, I fear for the future of my race. Especially because of repeat offenders, those who HAVE been skinned alive in the past by 1 MLM scam are still there, hoping against hope that the next MLM launch will be 'the one' that will make them a millionare and set them for life.

I don't know what drives them to keep at the whole thing. Is it for that million ringgit retirement fund or to make up for the 10k they lost earlier or to service that 20k loan they took.

On another note, I find syahrul rather dissapointing. His inability to answer my simple query on the takaful act 1984 belies his 'ability' that he so proudly claims on his blog.

One of the easiest troll yet.

raptorarena said...

@aku the great..

that's called komisyen..i believe that's ok..

ever heard of, for example, "kau tolong carikkan aku cicak tokek ni..nanti aku bagi kau RM1juta untuk setiap cicak tokek yang kau jumpa.." sounds similar rite..

dia cuma akan jadik piramid bila your 6 orang carik lagi 36 orang tapi u pulak yang dpt komisyen drpd keje mereka..then ur 36 orang yang xde kaitan dgn u, carik lagi 216..tiba2 u yang takde kaitan langsung, dapat jugak komisyen drpd usaha diorang..and the 'orang cari orang' goes on and on..u get what i mean..?

so if someone approach u in regards of komisyen..i believe it's an opportunity..but if someone approach u and ask to find 6 'bisnes partner' and then explained more that u can be rich if that 6 personnel gets another 36 and so on..just run away..orait~

"there's alwiz be someone that comes to our life and leave footprints in our heart..there's also someone that comes to our life and makes us want to leave a footprints on their faces.."

Rose said...

Raptorarena,

Any words yet from Takaful Ikhlas? Quite keen to know what they say. Malas dah nak layan Kordi tu, biarla dia dok bergelumang kat entry dia sendiri.

hyelbaine said...

A few days back I went to Syahrul's blog to find someone actually took the Takaful act comment I posted here and commented it there.

Hari nie pegi tgk komen tuh dah hilang. Lawak :P

hyelbaine said...

Ahaks...lawak antarabangsa just happened. Went to Syahrul's blog this morning to see if the comment on the takaful act came back...and it did!

But I just went to the blog again to see if there was any response from him or if he had deleted the comment again and guess what, dia terus block SEMUA comments on the blog :P hahaahhahahahah

Uwais Mokhtar said...

waduh...hangat sekali perbincangan berkenaan MXM nie...patutlah awal tahun ni geng2 MXM promote giler2 dekat agent2 Prudential dan PruBSN untuk join diorg...hmmmm diorg nie tak tau ke kerjaya agent dan consultant nie bukan setakat menjual insurance semata2...betul2 merendahkan kerjaya org yang involve berpuluh tahun dalam bidang insurance...jual pakej kesihatan yang mahal dan disekalikan dengan MLM...bila tak dapat claims kat hospital...nak cari agent MXM buat claim ke nak cari director MXM buat claims atau nak refer polisi insurance dan buat claims?? kadang-kadang kita terlalu ambil mudah benda yang kita sendiri pun tak tahu...

my opinion: kalo nak cari insurance dan takaful, pergilah kepada agent-agent yang bertauliah dan mempunyai lesen... (^^,)

www.uwaismokhtar.com

Aidid Mu'addib said...

Saudara Uwais...
Right on the money!

cik bunga said...

wow..amazing nya cara nak jual medi card yek?

isk2

hyelbaine said...

Malas nak belanja tapi nak untung banyak, that's why MLM is the favorite way to do such schemes.

J said...

I am here to give some comment about my self, 2 years ago I have brought a medical card from MXM membership. After read this blog, I thought that my medical card can not use & admit to hospital. Recently, I have kidney stone require admit to hospital, I try to use this card at Gleneagles Hospital, and they take my card to process & arrange me stay in a single room cost RM350 per night, than arrange doctor to do surgical. After complete the whole process cost RM11,380. More important is I am not require to pay a single cent.
And now. I am getting the free health screening from Pathlab to do the free test to monitor my health status.
This is my experience to use MXM membership program.
Do You?

Rose said...

I do! (cam ajak kawin..)

J, I think the issue here is that this insurance company use MLM system (and in case you didn't notice, we hate MLMs and pyramid systems for reasons that have been covered so many times in this blog).
If you take the package that covers your medical bills and so on, then it's no suprise that the insurance kick in.

hyelbaine said...

@ J,

Have you read the entire post and also all the comments? If you haven't then I suggest you do, especially the comments section. You will find valuable facts and even laws being broken blatantly by MXM.

Once you've done that, let's see if you have any other comments,

azwan said...

Ntah2 bahlol MLMers mane ntah. kah kah kah!!

Aidid Mu'addib said...

Agent J....
Cakap Melayu sudah....

And, oh ya... you're missing the point of the whole freaking thang dol... If those Pathlab fuckers didn't pay your so-called hospital bill, they'll surely get fucked themselves as lame as that Chinese girl in that "Anwar Ibrahim" video... dontcha know?

The issue is the pyramid-scheme and not the insurance... of course if you read the article above, you would know that already, and you wouldn't be making an ass of yourself here, isn't it?

azwan said...

Haiyok...
Baru aku perasan. Ingat english aku je teruk. skali mamat J ni aii..waduh waduh mereng aku tgk!

zarul666 said...

tpi bkn semua insurans cmtu kn..?
mcm etiqa takaful tu ok je aku tgk...

cntohnya mcm mamat kt website ni..

www.azam.my

Hanie said...

salam, ini x lain x bukan jenis pakej yang buat MLM tp diselitkan skali dgn insurance coverage..biasanya sykt ni bekerjasama dgn syarikat insurans tu sdr, bukan melalui agen individu.
Sebagai Penasihat Takaful, kna ambik exam, jalani training dn lengkapkan CPD hours khas untuk promote produk Takaful saja. tak ada istilah MLM dlm insurans/takaful krn kami menawarkan khidmat dan dibayar komisen. itu sahaja. x ada skim piramid dsb..TQ

azwan said...

Owh...betol tu Hanie.

Tapi still support ECPI?

Hanie said...

X aktif pun dah..dah mati membership..haha

bebakd123 said...
This comment has been removed by the author.
Syahrulmanan said...

Saya masih jalankan business ni ya Kak. Dah 7 tahun. Alhamdulillah

Syahrulmanan said...

Untuk info, saya masih menjalankan business ini lagi ya. Dah 7 tahun. Alhamdulillah semua ok. Clients dah ada 1000 lbh orang di seluruh negara.

Syahrulmanan said...

Aktif lagi ke korang semua dalam ni???

Syahrulmanan said...

Aktif lagi ke korang semua dalam ni???

saluran yg benar said...

https://support.google.com/blogger/answer/82111
report kat sini je sahrulmanan

saluran yg benar said...

https://support.google.com/blogger/answer/82111
buat report kat sini je syahrulmanan

saluran yg benar said...

https://support.google.com/blogger/answer/82111
buat report kat sini je syahrulmanan

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