There is something eerie in the efficiency with which the Nazis ruled the whole country, including its population and industry, realizing their evil designs. Everyone knows about the big three corporations who collaborated with the Nazis. Hugo Boss designed the uniforms awesome SS (as well as the monotone brown shirts SA and Hitler Youth); Volkswagen punishment for Hitler designed the “Beetle” and pressed it, using forced labor; IBM has developed a punch card that was used to streamline the process of extermination of people by race and class .
However, this was not the only companies that were operating in collusion with the Nazis – the other global entities, which today can still learn, too, sold their souls to the devil in many ways – and you may be surprised at the sight of some of the names listed below.

10. Chase Bank

If you think about conspiracy Chase Bank (now JP Morgan Chase) with the Nazis is not so much and amazing. One of the main holders of its shares, Dzh.D.Rokfeller directly funded pre-war eugenic experiments the Nazis.

Between 1936 and 1941, Chase and other banks the U.S. has helped the Germans to get over 20 million in U.S. dollar terms, while earning more than $ 1.2 million commission – of which Chase pocketed half a round. In those days it was a lot of money. The fact that the German mark, to finance operations, had its origin in Jews fleeing from Nazi Germany, apparently not bothered Chase – in fact, the bank improve its business after Kristallnacht (the night in 1938, during which Jews throughout Nazi Germany and Austria were targeted massacres.) Chase also froze the accounts of French Jews in occupied France before the Nazis even thinking to ask him about it.

9. Ford

Henry Ford was itself a notorious anti-Semite, who published a fascinating collection of articles titled “The International Jew. The original global problem. ” Ford even sponsored their own newspaper, which he used as an element of propaganda, accusing the Jews in World War I, and in 1938 received the Order of the merits of the German Eagle, the highest distinction of Nazi Germany, which was awarded to foreign nationals.

The German administration released a third of Ford trucks for the military needs of the German army during the war, with extensive use of prison labor. What shocks even more – perhaps servile labor was used in the production of Ford in 1940 – when the U.S. subsidiary of the company still retained full control.

8. Random House

You may not have heard of Bertelsmann AG, but you will hear about the books published by many of its subsidiaries, including Random House, Bantam Books and Doubleday. During the Nazis in power, Bertelsmann published Nazi propaganda literature, such as “sterilization and euthanasia – a contribution to applied Christian ethics.” She even published works Willie Vesper, who spoke with an enthusiastic speech by burning books in 1933. In 1997, Random House became the center of another debate about Nazism, when added “personality, fanatically loyal certain activities, practices, etc. or their desire to learn “to the definition of” Nazi “in Webster’s dictionary, the Anti-Defamation League that led to a statement that the publishing house” downplays and denies the bloodthirsty intent and the Nazi regime. ”

7. Kodak

When you think of Kodak, immediately before the eyes stand idyllic family photos and memories caught on film, but you should keep in mind actually – it’s forced labor that was used in the company’s German subsidiary during World War II. Kodak subsidiaries in neutral European countries were brisk business with the Nazis by giving them a market for their goods, and valuable foreign exchange. The Portuguese unit, even listed the profits unit in The Hague, which was then under Nazi occupation. Moreover, this company was not concerned with only one camera manufacturer – it has mastered the manufacture of fuses, detonators and other military goods for the Germans.

6. Coca-Cola

Fanta – flavored drink with orange, which was originally conceived for the Nazis. Quite correctly, the import of ingredients for Coke, which gives the brand its name, was limited and the control unit of Coca-Cola in Germany, Max Kite invented a new drink that could be made from available ingredients.

In 1941, Fanta debuted on the German market. Mack Kite himself was not a Nazi, but his efforts to maintain the smooth functioning unit Coca-Cola throughout the war meant that the company get hold of a fair profit and the end of the war could go back to the spread of Coca-Cola among stationed in Europe, the American soldiers.

5. Allianz

Allianz is the twelfth largest company in the world of financial services. Not surprisingly, being established in 1890 in Germany, she was in her largest insurer, when the Nazis came to power. As such, it was quickly tied things with the Nazi regime. Its director, Kurt Schmitt was also minister of economy, Hitler, and the company provides insurance facilities and staff of Auschwitz. Its CEO is responsible for the practice of paying compensation insurance was destroyed as a result of Kristallnacht, the Nazi state of Jewish property rather than the eligible beneficiaries. In addition, the company has worked closely with the Nazi government in tracking life insurance policies of German Jews sent to death camps, and during the war in favor of the insured property the Nazis seized from the same Jewish people.

4. Novartis

While Bayer and is infamous due to the fact that began as a gas producer unit Zyklon B, used by the Nazis in gas chambers, it is not the only pharmaceutical company with skeletons in the closet. The Swiss chemical company Ciba, and Sandoz merged to form a Novartis, famed for its first drug Ritalin (the infamous psychostimulant that is widely used in the U.S. to treat childhood hyperactivity, approx. Mixednews). In 1933, the Berlin branch of Ciba the powers of all the members of its Board of Directors of the Jewish nationality, and replaced them more “acceptable” Aryan personnel; Meanwhile, Sandoz was engaged in similar activities for its own Chairman. During the war the company produced for the Nazis dyes, pharmaceuticals and chemicals. Novartis frankly his guilt and tried to make amends for its characteristic of other companies accomplices way – sacrificing $ 15 million compensation fund to Swiss victims of Nazism.

3. Nestlé

In 2000, Nestlé in connection with the use of it at the time of slave labor in the fund paid out more than 14.5 million dollars to settle claims by victims of its actions and those of Holocaust survivors and Jewish organizations. The firm made the admission that in 1947 it acquired a company that enjoyed during the war, forced labor, and also stated: “There is no doubt either one can assume that some corporations in the group Nestlé, operating in countries controlled by National Socialist (Nazi) regime, exploited the forced laborers. ” Nestlé in 1939 in Switzerland, provided financial assistance of the Nazi Party, as a result of winning a lucrative contract to supply the chocolate to the needs of the entire German army during World War II.

2. BMW

BMW admitted to use during the war forced 30 000 unskilled workers. These prisoners of war, forced laborers and prisoners of concentration camps produced engines for the Luftwaffe and so were forced to help the regime to protect themselves from those who tried to save their own. In wartime, BMW has focused exclusively on the manufacture of airplanes and motorcycles, not claiming to be anything else but to be a supplier of military vehicles for the Nazis.

1. General Electric (GE)

In 1946, the U.S. government has imposed a fine on General Electric for its misconduct during wartime. Together with Krupp, a German industrial company, General Electric deliberately overstated the price of tungsten carbide, which is a vital material for the machining of metals needed for the war effort. However, being fined a total of some 36,000 dollars, General Electric has made itself only to this fraud about a half million dollars, thus preventing the mobilization and raising the price of victory over Nazism. GE, moreover, before the war broke out, bought a stake in Siemens, has made itself an accomplice than the use of slave labor for the construction of the very gas chambers, where they found their end, many sick workers.

 

Source: http://www.min.com.my/teen/html/fr_saveit.html

Congratulations! You have managed to save, and quite a bit too!

Now, do you have plans for your savings? Perhaps you intend to buy a
Playstation or that expensive tennis Wilson racquet once you have
accumulated enough. It’s good to have a goal when you embark on a
savings programme because the goal encourages you to save – rather
like dangling a carrot in front of the donkey, although you are far
from being a donkey if you are clever enough to give yourself a
motivation to save.

So if you don’t have a goal, think of one. You don’t have to confine
yourself to one goal – have several goals if they help you save more,
as long as they are realistic and worthwhile objectives.

Meantime, while you save furiously towards your goal or goals, where
do you keep your savings? Stashed away in your drawer? That’s not a
wise thing to do, because there is this terrible thing called
Inflation which, figuratively speaking, is just waiting to gnaw at
idle savings. It sees your money just lying there in your drawer and
wham! it’s got your money in its jaws!

Inflation & Purchasing Power

What is Inflation? No, it’s not an insect or animal. It’s abstract.
Inflation is the economic term for rising prices, or rising cost of
living. Inflation is when the prices of things you buy are rising.
Let me give you an example. Let’s say your family takes grandmother
out to dinner at your favourite Nyonya restaurant. It’s your
grandmother’ s first visit to Kuala Lumpur or to a city for that
matter – she lives in a small town and she hardly ever ventures
beyond her garden gate.

Of course, you have to order your favourite dessert – ice kacang! You
can’t resist that pile of crushed ice rainbow-coloured by syrups and
milk, sitting on top of various beans, corn, bits of jelly, longan
and what-else-have- you, and topped with ice-cream. When your father
fishes out RM4.50 to pay for your ice kacang – watch out for grandma!
She might fall off her chair in shock! Why? Because during the time
she was a kid, ice kacang probably only cost 10 sen. TEN SEN??!! Now
it is your turn to fall off the chair!

That’s what we mean by inflation. Rising prices. Sixty years ago, an
ice kacang cost 10 sen. Today it costs RM4.50 at a proper restaurant
and RM1.50 from a hawker stall. Its price has shot skyward. Put in
another way, inflation has reduced the purchasing power of money
through time. Your granny’s 10 sen cannot buy a bowl of ice kacang
today, maybe only that bit of crushed ice. The 10 sen has lost a lot
of its buying power; it buys less than what it did 60 years ago. In
fact, today’s hawker price of ice kacang won’t stay RM1.50 forever.
It will go up and you don’t have to wait till you are a
grandmother/ grandfather to see this. By the time you are a
mother/father, we’ll bet an ice kacang would probably cost nearer to
RM2 at the stalls.

That’s inflation for you. And the sad news is that inflation does not
only attack foods. It is pervasive, sinking its claws in all things
and services that are part of living – clothes, furniture, bicycle,
house, cinema tickets, taxi fares, park rides etc. etc. That’s why it
is called the rising cost of living.

So what does this mean for your savings? Simply that if you just
stash away your savings – let’s assume that you have saved RM100 – in
a drawer, your RM100 just remains RM100 until you want to use it.
Meanwhile inflation is nibbling away at the value of your RM100 so
that when you actually use it much, much later, your RM100 is not
going to be able to buy you as much as when you started to save it.
This is because – depending on how long you keep your money – prices
of things would have risen in the meantime. Of course, if you
immediately use your savings, inflation probably won’t have a chance
to work yet. But then, we are talking about a savings programme here,
and that means a long enough time frame for your savings to grow –
and for inflation to kick in.

So what must you do? To fight inflation, you must make your savings
grow in value, faster than the inflation rate. If you just let the
RM100 of your savings stay the same, you know that through time the
purchasing power of your RM100 will not be RM100, but less – because
the prices of things are continuously rising. However, if your RM100
savings could grow to, say, RM150; then in future you can not only
buy the same things that your RM100 could at the start of your
savings, you can also buy more things.

Investing is the way to go

To make your money grow, you certainly do not leave your cash in your
drawer or stuff it under the mattress or anywhere else where it just
stays put, and forget about it until you want to use it. To make your
money grow, you must do a second smart thing – your first smart move
was to save – you must invest it.

Investing is defined as using your money (in this case, your savings)
to make more money. Grown-ups, the wise ones, do that. They invest to
make money with their money and when this has grown, they re-invest
the bigger sum and in the process of re-investing again and again,
their money is doubled, tripled or multiplied many times more. That’s
how people get rich – not through winning the lottery (you have one
chance in 7 million or something like that) but through saving and
investing. You can do the same with your small sum of savings and
watch it grow.

There are different ways to invest your money so as to earn a return.
A return is the amount of earnings or income that you get from your
investment. The easiest and most common way is to put your savings
into a bank savings account or fixed deposit. Your savings will grow
because the bank pays you a certain sum of money (your return) called
interest, as long as your money stays with the bank. This way your
savings grows until you want to use it and when you withdraw it from
your bank account, the amount of money that you have now will be your
original savings plus the interest it has accumulated. It is no
longer just your RM100 but a bigger sum.

So bank accounts are one type of investment. Another is investing in
the stock market by buying shares of companies. Many adults do this.
We shall explain more about shares in another article. For now, know
that people invest in shares, hoping to earn a return in two ways.
One is from receiving dividends, which is simply the monetary reward
that companies pay out to shareholders when the companies perform
well. The second is from realising a profit when they sell off their
shares. Profit is the gain in money between what you paid for the
shares and what you get when you sell the shares. Simple Maths will
explain profit. For instance, if you had a savings of RM600 and
bought 200 shares for RM3 a share, and three months later, you sold
your 200 shares at RM4 a share, you would make a profit of RM200.

Here’s how:

Cost of buying 200 shares at RM3 a share = 200 x RM3= RM600.
Amount of money received from selling 200 shares at RM4 a share = 200
x RM4 = RM800.
Profit = Sale minus Purchase = RM800 – RM600 = RM200.

The profit has made your savings swell from RM600 to RM800.

There are other ways of investing your money.

You could even buy a house, if you have loads and loads of money
(say, through inheriting a fortune from your favourite aunt who
passed away). If you rent out your house, your return will be the
amount of rental income you receive from your tenant. Which
investment method you choose depends on factors like how much savings
you have and how much returns you want to make. Each investment has
its pros and cons.
For instance, investing in shares can earn you more returns than bank
accounts, but it is riskier. If you put your savings into a bank
account, your money is safeguarded. You can’t lose it like you can
lose your money in shares if you pick the wrong share to buy. Even if
the bank gets robbed, or burnt down or goes bankrupt, the law of the
country provides that you will get your money back. Not so with
shares investing. However the return from the bank interest is rather
small.

Investing in property like a house could earn you massive returns,
but it is a long-term investment. It would be years and years before
the prices of houses rise for you to sell your house and make a
profit. (Remember? Profit equals Sale minus Purchase.) Getting your
return from investing in shares is much, much faster but like we said
before, you must be smart (and lucky enough) to select the right
share to buy or else you could lose your money invested.

In fact with all types of investment (except perhaps for bank
accounts), there is always a possibility of losing your savings, much
less about getting a return. If you invest unwisely, you could lose
both your original sum of savings and get no returns at all.

However, there’s no mistake about this: investing is the way to build
your wealth.

You just have to invest wisely.

When should I start saving?

December 25, 2011

When should I start saving?

The answer is simple: as soon as you can. Ideally, you’d start saving
in your 20s, when you first leave school and begin earning paychecks.
That’s because the sooner you begin saving, the more time your money
has to grow. Each year’s gains can generate their own gains the next
year – a powerful wealth-building phenomenon known as compounding.

Here’s an example of what a big difference starting young can make.
Say you start at age 25, and put aside $3,000 a year in a tax-deferred
retirement account for 10 years – and then you stop saving –
completely. By the time you reach 65, your $30,000 investment will
have grown to more than $472,000, (assuming an 8% annual return), even
though you didn’t contribute a dime beyond age 35.

Now let’s say you put off saving until you turn 35, and then save
$3,000 a year for 30 years. By the time you reach 65, you will have
set aside $90,000 of your own money, but it will grow to only about
$367,000, assuming the same 8% annual return. That’s a huge difference.

* When should I start saving for retirement?
* Where should I save my retirement money?
* How should I invest the money?
* How should my strategy change as I get older?
* How much money will I need in retirement?
* Will pensions and Social Security be enough?
* How much should I save?
* What if I can’t save enough?
* How can I reduce the amount I’ll need?
* What if I’m running out of time?
* I’m saving a lot but will still fall short – what now?
* When can I retire?

Source:
http://money. cnn.com/retireme nt/guide/ basics_basics. moneymag/ index.htm? postversion= 2008090815

December 2011 Gatherings by Camelia
“Came” means Business Networking (referral business/business gathering)
welcome to Camelia gatherings

Came 414
12 December 2011 (monday)
Time: 3pm to 5pm
Venue: Pappa Rich, PJ newtown, Section 8,Petaling Jaya,Selangor,Malaysia.

Came 415
15 December 2011 (thursday)
Time: 6pm to 10pm
Venue: Teh Chawan Kafe,Jalan Telawi, Bangsar,Kuala Lumpur,Malaysia.

Came 416
16 December 2011 (friday)
Time: 8pm to 10pm
Venue: A & W Restoran (24hours)PJ newtown,Petaling Jaya,Selangor,Malaysia. (opposite Amcorp Mall)

Came 417
22 December 2011 (thurs)
Time: 3pm to 5pm
Venue: Old Town White Coffee,Pavilion Mall,Jalan Bukit Bintang,Kuala Lumpur,Malaysia.
Came 418
27 December 2011 (tuesday)
Time: 3pm to 5pm
Venue: Burger King, KL SENTRAL Station,Kuala Lumpur,Malaysia.

Came 419
27 December 2011 (tuesday)
Time: 8pm to 10pm
Venue: Old Town White Coffee,Kelana Street Mall (LDP),Petaling Jaya,Selangor,Malaysia. (next to kelana jaya GIANT)

Came 420
29 December 2011 (thursday)
Time : 8pm to 10pm
Venue: Old Town White Coffee,Sunway Pyramid Mall,Petaling Jaya,Selangor, Malaysia

Came 421
30 December 2011 (friday)
Time: 3pm to 5pm
Venue: Mc Donalds,Masjid Jamek,Kuala Lumpur,Malaysia. (Kelana jaya LRT Line station / STARline station)

Came 412
30 December 2011 (monday)
Time: 8pm to 10pm
Venue: Old Town White Coffee,UOA Bangsar,Kuala Lumpur,Malaysia. (Opposite Bangsar Putraline LRT station)

Pls Call /SMS to confirm the date/place/time.
Please give me time to reserve a seat for you.
Do not be LAST MINUTE.I will not entertain you.
You may bring your friends or bosses or spouse.
PLEASE BE PUNCTUAL, Thank you!!

Mobile : 6-016-9795515
Love Camelia
Malaysian Chinese lady
*Venue and time subject to change
*Please pay your drinks / meals
*No entrance fee and no membership

Speak your mind!!

April 28, 2011

What Not to Do: 7 Ways to Ruin Your Resume
by Hillary Chura
Dec 21, 2009

In the time it takes you to read this paragraph, the average recruiter will have plowed through six resumes. (We know; we timed one.) Want to increase the chances of your resume making it to the next round? Then don’t do any of these seven things, which recruiters say — more than anything — make them want to push the “shred” button.
(For more resume tips, check out our interactive critique of an actual resume.)

1. Apply for a job for which you are not remotely qualified
Many candidates believe the job hunt is a numbers game — drop enough resumes, and you’re bound to land something. But shotguns are for hunting pheasant, not finding jobs. The reality is that recruiters hate wasting time on resumes from unqualified candidates. Morgan Miller, an executive recruiter at StaffMark, recalls the security guard who applied to be a financial risk manager (maybe Lehman should have hired him), while Scott Ragusa at Winter, Wyman talks of the aerial photographer who sought out a position as a tax specialist.

“Sorting through unqualified resumes is frustrating, unproductive and puts an extra burden on staff,” says Katherine Swift, Senior Account Director at KCSA Strategic Communications in Natick, Mass. “It also makes it much more challenging to find the right candidate.” So the next time you’re thinking of blasting out resumes to all 60 of the job listings on Monster.com that have the word “finance” in them , save your time (and that of the recruiters) and only apply for ones for which you’re qualified.

2. Include a lofty mission statement
More than ever, today’s savage job market is about the company, not the candidate. As such, mission or objective statements — particularly ones with an applicant’s hopes, dreams, and health insurance aspirations — will dispatch otherwise fine resumes to the circular file. Employers don’t care about how they can solve your problems — certainly not before they’ve met you and possibly not even after they’ve hired you. Instead, write an “objectives” statement that explains specifically how your skills and experience will help the company you’re applying to, not the other way around. And be very clear about what kind of job you’re seeking.

3. Use one generic resume for every job listing
To stand out amongst the sea of resumes that recruiters receive, yours must speak to each and every specific position, even recycling some of the language from the job description itself. Make it obvious that you will start solving problems even before you’ve recorded your outgoing voicemail message. Your CV or query letter should include a just touch of industry lingo — sufficient to prove you know your stuff but not so much that you sound like a robot. And it should speak to individual company issues and industry challenges, with specifics on how you have personally improved customer loyalty, efficiency, and profitability at past jobs, says workplace and performance consultant Jay Forte. Plus, each morsel should be on point.
“Think hard about how to best leverage each piece of information to your job search advantage,” says Wendy Enelow, a career consultant and trainer in Virginia. “Nothing in your resume should be arbitrary, from what you include in your job descriptions and achievement statements, to whether your education or experience comes first [recent grads may want to put education first] to how you format your contact information.”

4. Make recruiters or hiring managers guess how exactly you can help their client
Sourcing experts want to know — immediately — what someone can offer, and they won’t spend time noodling someone’s credentials. “Animal, vegetable or mineral? Doctor, lawyer or Indian chief?That’s what I’m wondering every time I open a resume. If it takes me more than a split second to figure this out, I feel frustrated,” says Mary O’Gorman, a veteran recruiter based in Brooklyn.

5. Don’t explain how past experience translates to a new position
Though candidates should avoid jobs where they have no experience, they absolutely should pursue new areas and positions if they can position their experience effectively. A high school English teacher applying for new jobs, for example, can cite expertise in human resource management, people skills, record keeping, writing, and training, says Anthony Pensabene, a professional writer who works with executives.
“Titles are just semantics; candidates need to relate their ‘actual’ skills and experiences to the job they’re applying for in their resume,” Pensabene says. An applicant who cannot be bothered to identify the parallels between the two likely won’t be bothered with interviews, either.

6. Don’t include a cover letter with your resume
A cover letter should always accompany a resume — even if it’s going to your best friend. And that doesn’t mean a lazy “I’m _____ and I’m looking for a job in New York; please see my attached resume.” Says Lindsay Olson, a partner at Manhattan’s Paradigm Staffing: “I’d like to know why you are contacting me (a particular position, referral, etc.), a short background about yourself, and a career highlight or two. It’s important to attempt to set yourself apart from the competition.”

7. Be careless with details
Reckless job hunters rarely make for conscientious workers. As such, even promising resumes must abide by age-old dictums: typo-free, proper organization, and no embellishment. Susan Whitcomb, author of Resume Magic: Trade Secrets of a Professional Resume Writer, says that almost 80 percent of HR managers she surveyed said they would dismiss otherwise qualified candidates who break these rules. She tells the story of one would-be employer who, when looking for an assistant, decided not to hire anyone because every resume she received contained typos.

“With a 6-to-1 ratio of jobseekers-to-jobs in the current marketplace, you can’t afford to make mistakes with your resume,” Whitcomb says.