Howdy my friends,
Here are some incidences pertaining to the use of ATM and CDM. Hope you’ll enjoy and get some benefits from them.
$$$$$$$$$$$$$$$$$$$$
Incident No. 1
I went to an ATM at a petrol kiosk near my house to withdraw some cash. Everything seemed no problem. I got my money and took out the ATM receipt. To my surprised, when I check my account’s balance printed on the receipt, it showed an extra of $145,000-00. Wow! Who was that generous person willing to give me some extra money?
I immediately called my banker asking for my account’s transactions details but the reply was “you need to go to the nearest branch to acquire your transaction details. We can’t entertain such request over the phone“. Then I went to the nearest bank’s branch asking for my bank statement. The counter personnel replied “You will be charged $5 for this service. You can come back in 3 days to collect your bank statement“.
Fed up with all those remarks, I went to another ATM and requested for a mini bank statement. Checking all the recent transactions, there was no deposit transaction amounting to $145,000. Then, I checked my balance using the same ATM, it showed the correct amount (without the $145,000).
Actually, I got somebody else’s ATM statement when I did the withdrawal. 
This happened because the receipt dispenser was having a problem. Earlier, I thought the scam e-mails that I’ve mistakenly replied were genuine and some funds were deposited into my account in stages (as per what the e-mail says). Hmmmm..I guess, I was not that lucky to get some unexpected money and the scam e-mails would remain as “SCAM“. 
My advice
Do not feel so excited when receiving an ATM statement that shows extra amount of money in your account. Verify that the ATM statement really belongs to you by:
- checking the date and time of withdrawal
- the amount withdrawn
$$$$$$$$$$$$$$$$$$$$
Incident No. 2
I went to a Cash Deposit Machine (CDM) to make cash payment to my Credit Card’s account. When I was just to insert my card, the machine’s deposit shutter opened. There was some cash inside there. I took out and counted. 40 pieces of $50 banknotes! Wow! It must be my lucky day! 
Since I am a very good guy 
I went into the bank’s counter to inform and surrender the said cash. The bank’s Teller seemed very pleased. When I asked for any form of acknowledgment, he said “it’s OK. No need to lodge any report. I will personally inform the Manager on this“. I wonder whether I should trust that Teller. I was relieved when a person introduced himself as the branch manager approached us. At least, there was a witness when I handed over the money to the Teller.
The last information I’ve received was that the money had been refunded to the rightful owner. I hope if he/she reads this blog, he/she will not forget to have a lunch date with me
My advice
Whenever you perform cash deposit or cash payment using the CDM, make sure to check that the transaction has been successfully completed.
How?
- The CDM should prompt (displayed on it screen) whether the transaction has been completed and the relevant account has been successfully credited/paid.
- A statement is issued. Please check your statement to confirm that the account has been credited/paid successfully. If it stated “Refer to bank” or “Host Time Out“, then, please refer to the bank as soon as possible.
What else?
- Please be alert when prompted by the machine that some notes were rejected and collect your money.
- If you cancel your transaction, be sure to collect back your money from the deposit slot.
$$$$$$$$$$$$$$$$$$$$
Incident No. 3
My 6 footer fatty friend went to an ATM to withdraw some cash. He inserted his card, keyed in his PIN and enter the required amount. He rang his friend using his i-phone and talk quite loudly. May be, he just wanted to show off his new i-phone
The machine ejected his card and produced the alarm sound to alert him to collect his card and the cash. Due to focusing too much talking through his new i-phone, he almost forgot to take out his card from the Card insertion slot. However, he could not detect where the money that was dispensed. As a result, the money was retracted by the machine.
He went in to the bank’s counter and complained why the machine’s was built in such a way that the dispensing slot is located too low and was covered by his big stomach!
My advice
- Please take some time to look at the machine physical features when you attempt to make any cash withdrawal such as where is the “Card insertion slot”, “Cash Dispensing Slot” and the “ATM Statement Dispenser slot”.
- Be alert when performing the cash withdrawal. Don’t forget to take your money.
$$$$$$$$$$$$$$$$$$$$
OK friends, see you soon.
Howdy my friends,
During working in the office, When I got bored, I would normally play the “Spider Solitaire“. However, if I were caught playing such a computer game during office hour, the company would pretty much eager to give me a “show caused” letter!
I’ve been searching for a software that could hide the “game” I’m playing as instant as possible and I’ve got it when reading a PC magazine recently.
Now, I can play “Spider Solitaire” as frequent as I want to without having worried my GM would catch me. In fact, he will not know the game is still active even after he looks thoroughly at my PC screen. This software hides the game’s window!
What software is that?
It is called Plancoin and it’s FREE.
The purpose of this program is simple: to hide some selected windows in one keypress. Plancoin lets us set up two hot keys: one to hide the windows and show them back, and one to show the Plancoin Settings window. The program then runs in background and responds to the hot keys.
To determine which windows must be hidden, we have to set up a list of sentences. In the Include mode, every window whose title contains one of the sentences will be hidden. This mode is the default one. In the Exclude mode, every window whose title does not contain any of the sentences will be hidden.
How to set up?
You must first download the program and install it into your computer.
Double Clicking the icon will pop up the following settings window.
Windows titles
Select the mode from the list box: either the windows containing one of the sentences (Include mode), or the ones who does not contain any of the sentences (Exclude mode).
Type the sentences in the text box. Each sentence must be on a different line. Hit Enter to separate lines.
Hot keys
In this box you can set up the two Plancoin hot keys. Click on a text box and press the desired key combination. The result will be displayed in the text box.
If you forget the hot key that brings up the Settings dialog, just launch Plancoin again. The second instance will detect the first one and bring it up.
By default, the Settings window is shown each time Plancoin is started. To hide it automatically, un-check the box labeled “Show this dialog on start-up”.
“Hide this dialog” button
When this button is pressed, the Settings dialog is closed, but Plancoin still runs in the background. The hot keys are effective.
“Quit Plancoin” button
When this button is pressed, the Settings dialog is closed and the program exits. It does not run in the background, so the hot keys are not effective anymore.
As Plancoin needs to run in the background all the time, it has been designed to use as few system resources as possible.
Interested?
Download this FREE software here or click any of the word Plancoin in this post.
Enjoy it my friend.
Tags: Free Downloads, Free Software
Howdy my friends,
Would you like to have a software that could convert what you have typed into a Portable Document Format (PDF) immediately and automatically? The most interesting feature is it’s FREE.
I’ve been searching for this software for quite sometimes. Thanks to En. Munawar (Jana Wang Adsense) one of successful internet marketeers in Malaysia.
Today, I’m glad to give all my blog’s readers the opportunity to download the software for FREE.
Do you want it? Click the following banner and download it:
A bit about the software:
You are going to LOVE this software. For a start, you are able to create your own unique money making ebooks in the most popular Portable Document Format (PDF), turn out articles for huge increases of traffic, easily manage and backup your products and even set up reminders for those important events all from this one software package. Impressed? Well it gets even better …
Enjoy the FREE software my friends.
Tags: Free Downloads, Free Software, PDF Software
Howdy my friends,
I’ve received this e-mail from my blog’s subscriber who does not want her name being published here. She asked whether I could give her some advices pertaining to Internet business.
Here is part of the e-mail’s contents that was sent to me:
Abang Long,
I have been doing Internet business for quite sometimes (1 year plus - to be exact). I envy most of Internet marketeers who could earn thousands of dollars every month. However, to date, I have yet to enjoy any benefit from this business. I should assume that it’s a total failure to me.
Please advise me.
I’ve replied her e-mail with the following answers (let’s share):
//////////
Some people says, the scope of Internet business is very wide. Everybody can succeed in such a business because the market covers the whole area of the world as long as there is an “Internet”.
That’s just exaggerating.
My advice is “don’t be so anxious looking or reading other people’s successful stories” that you believe you could be able to achieve the same.
Do I mean we should not read such stories?
Absolutely not at all. We could use them as the elements to motivate ourselves to become successful like them. However, do not be influenced 100% by them.
Most of the time we failed because we did not do things that we like most. Just because many people have succeeded in doing “a thing”, we assume that we would be successful for doing the “same thing”.
I’ve experienced this during my initial stage venturing the Internet business. I’ve tried “Adsense”, become products’ affiliates and even participated in the “PPC”. The success seemed too far to be true. In fact, I’ve spent too much time with “PPC”, clicking and looking at the advertisements but the result was “YOU’VE BEEN SCAMMED!“.
Then, I was advised by my old time friend to become a freelance consultant for Cash Management business. That’s it. Since I have vast experiences in Cash Operations and am no problem with public speaking, managing seminars on Cash Management business is just “fun”. I’ve earned pretty good income from there.
So, can you succeed in Internet business?
It depends on some beneficial factors as follows:
Know your strength
Do something that you really know and you like most. This will definitely reduce your learning time and expedite gaining the income.
If you are the inventor of a product, it does not mean that you will succeed in selling that product if you do not know how to market it. Concentrate on creating the product and let other people who is well versed with marketing to sell it for you. Whereas, if you do not have any product or service to offer but you have the skills doing products marketing, then be a sales agent of products affiliate.
If you have the knowledge to do a lot of things, evaluate your own knowledge and select the one that you like most.
If you do not know what to select, find a friend who could give you the required advice.
Keep focus
Having multiple services or products to sell is good but it could be devastating if you do not know how to manage them. Instead, It is better to have a single product and you are all out to sell it. It’s the same for getting income from the Internet. Do not feel too excited trying to do a lot of things at any one time.
When I started this business quite sometimes ago, I had bought quite a number of e-books on how to generate income from the Internet. I have e-books on eBAY, Clickbank, Adsense and how to become a successful affiliates. Too excited to generate income as soon as possible, I had practiced all those in a single time and the result was “FAILED“. Then, I restarted by focusing on a single item (try to guess what was it ) and it worked.
Only after I enjoyed getting income from the item, I started with the rest but gradually.
Know and understand the methodology
Promotion is vital for you to sell your product but if promotion was done via SPAM, not only you create uneasiness to people that you want to promote but also you might be banned.
Learn how to do things correctly and this is where those e-books are important.
Be patience
Do not expect to earn thousands of dollars in a single day when you just started the business. It’s OK to earn one dollar in a week and the amount gradually increases each day rather than to earn nothing or even lose your capital.
Lastly, do not stop learning
Remember this “do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning do not stop learning”
\\\\\\\\\\
Well my friends, the above are just my views. If you have things to add or disagree with the above, please post in you valuable comments.
Howdy my friends,
As promised, today I shall talk about Cash Deposit Machine (CDM). The information mentioned in this article is basically meant for the banks but it may be useful to users like you and I.
Have you ever experienced whereby you put in some money into a CDM but when you checked your account’s balance the amount was not updated in there? That’s what we called “Cash deposited but account not credited“. I’ve experienced that and I believe some of you have had the same. In general we name that “CDM Cash Discrepancy“.
How CDM cash discrepancy would happen? How to mitigate that? How could the affected customer claim his/her money back from the bank? Will the bank reject any claim on CDM cash discrepancy? How fast can the customer get back his/her money? Why can’t we have a CDM with zero discrepancy? What are the differences between ATM discrepancy and CDM discrepancy? Is it possible to have our accounts be credited more than what we had deposited into a CDM? I put in $100 but the machine verified as $10 only, why? Why the machine rejected my money?..bla bla bla… wow! I need to spend more time to think of the answers. 
Before I continue writing more complicated information pertaining to CDM cash discrepancy, let me begin with explaining briefly the types of the cash discrepancies. I believe that this piece of information will give you better understanding on what I will write in future posts.
—–$$$—–
Just like ATM, CDM cash discrepancy should also be categorized into TWO i.e. Physical cash discrepancy and Theoretical cash discrepancy.
Physical CDM cash discrepancy
Physical CDM cash discrepancy occurs whenever the total amount of physical cash balance in the CDM is MORE or LESS than the amount it should be.
Listed herewith are some factors that could lead to Physical CDM cash discrepancy:
- Currency jammed. There is a possibility the notes be stuck in the CDM escrow or belting path due to the bad conditions of the notes inserted. Currency jammed could also happen during the act of rejecting the notes back to the customer.
- Power failure. If there is any power failure during notes insertion, the notes might be stuck at the CDM’s escrow or the deposit module. Once the power resume, the inserted notes will be directed to the machine’s reject bin.
- Notes retracted. This happen when the customer failed to collect the rejected notes within the maximum allowable time frame.
- Pilfering. Somebody has taken the cash from either the CDM cassettes or the reject bin during performing the CDM cash balancing.
- Operational lapses. The person performing the ATM cash balancing has erroneously recorded different figures into the CDM cash balancing form.
Theoretical CDM cash discrepancy
Theoretical CDM cash discrepancy occurs when the total cash accepted by the CDM is MORE or LESS than the total amount credited into the customers’ accounts.
Theoretical CDM cash discrepancy occurs as a result of communication problems between the CDM and the bank’s host. Normally, the remarks stated in the CDM electronic journal (E.J.) is “Forced Cash In” or “Host Time Out”. The CDM will issue a receipt to the customer to contact the bank if such incident occurs.
—–$$$—–
I shall write more details on the above in my next posts but first I need you to be familiar with most of the terminologies mentioned herewith.
That’s all for now.
Tags: cash, cash discrepancies, CDM
