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        <title>Lowyat.NET: Latest topics by lilu89</title>
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        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Tue, 23 Jun 2026 04:35:40 +0800</lastBuildDate>
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            <title>Someone from &amp;quot;Greenpeace&amp;quot; called</title>
            <link>http://forum.lowyat.net/topic/5097199</link>
            <description>Someone from &amp;quot;Greenpeace&amp;quot; called... Is this a scam?&lt;br /&gt;&lt;br /&gt;Different people call to my phone to a staggering  five (5) time a day, telling me they are from Greenpeace.&lt;br /&gt;&lt;br /&gt;They have ultimately destroyed my personal peace and privacy by keep on bugging me with their so-called &amp;quot;programs&amp;quot;.&lt;br /&gt;&lt;br /&gt;Please share your experience.</description>
            <author>lilu89</author>
            <category>Serious Kopitiam</category>
            <pubDate>Tue, 02 Feb 2021 12:27:42 +0800</pubDate>
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            <title>Beware of Gurus, Fake Gurus and Scammers</title>
            <link>http://forum.lowyat.net/topic/5094766</link>
            <description>= GURU =&lt;br /&gt;&lt;br /&gt;Guru is derived from a Sanskrit term to mean a teacher, guide, expert, or master of certain knowledge or field.&lt;br /&gt;&lt;br /&gt;Traditionally, the guru is a very respected figure to the disciple or student, with the guru serving as a counselor, who helps mold values, shares experiential knowledge as much as literal knowledge, an exemplar in life, an inspirational source and who helps in the spiritual evolution of a student.&lt;br /&gt;&lt;br /&gt;A guru is also one&amp;#39;s spiritual guide, who helps one to discover the same potentialities that the guru has already realized.&lt;br /&gt;&lt;br /&gt;= FAKE GURU =&lt;br /&gt;&lt;br /&gt;Fake gurus run businesses and sell online courses. &lt;br /&gt;&lt;br /&gt;Fake gurus attract fake disciples. Cheaters usually attract the easy to be cheated&amp;#33; One doesn’t select a guru, rather one gravitates towards a guru who is the most suited to his present state of mental development. One can never be forced to become or pay to be the disciple of any particular guru. &lt;br /&gt;&lt;br /&gt;Be aware that there are teachers for every level of learner. Not all teacher is the same - high school teacher is not the same as university professor.&lt;br /&gt;&lt;br /&gt;Lastly, the student automatically gets attracted to the teacher that suits his needs best.&lt;br /&gt;&lt;br /&gt;= SCAMMERS =&lt;br /&gt;&lt;br /&gt;It comes in a package with fake gurus in any field of expertise for example - financial, investment, real estate, stocks.&lt;br /&gt;&lt;br /&gt;HOW TO KNOW IF THEY ARE SCAMMERS:&lt;br /&gt;&lt;br /&gt;1. The Lifestyle (expensive cars, overseas holidays, showing cash, tailored clothing, bling-bling&lt;br /&gt;2. They say 9am-5pm job is useless and look down on working people who actually creates value.&lt;br /&gt;3. Recorded video courses, pre-recorded courses, no face-to-face interactions and keep saying classes almost full capacity. Online courses (at the end of the year, there will be 50% or 70% discount)&lt;br /&gt;4. Younger than 50 years old&lt;br /&gt;5. Runs cringe YouTube or Facebook advertisements&lt;br /&gt;6. Free eBooks/training/webinar - this will lead to sales funnel. This will allow them to get your email and eventually will get your attention&lt;br /&gt;7. Dubious financial history, unproven net worth i.e. &amp;quot;starts with RM100, now RM1 million in 6 months&amp;quot; or &amp;quot;Now I&amp;#39;m financially free (but still sells online courses)&amp;quot;&lt;br /&gt;8. Over use of the word &amp;quot;guru&amp;quot;, &amp;quot;mentor&amp;quot; or &amp;quot;sifu&amp;quot;&lt;br /&gt;9. No financial success after being a &amp;quot;student&amp;quot; of the guru, but keep on paying for additional courses or products.&lt;br /&gt;10. Check with Securities Commission, Bank Negara, police and many more government websites, even if not black-listed. It is easier to reach out the these government agencies rather than trying to get back your money if they are really scammers.&lt;br /&gt;&lt;br /&gt;WHAT TO DO if they display:&lt;br /&gt;&lt;br /&gt;(a) 1 to 2 of the above items, maybe not a fake guru, but please investigate more&lt;br /&gt;&lt;br /&gt;(b) 3 to 5 of the above items, please exercise caution, don&amp;#39;t consider any payment or subscribe their courses&lt;br /&gt;&lt;br /&gt;&amp;copy; 6 to 9 of the above items, avoid these people like the pandemic&lt;br /&gt;&lt;br /&gt;(d) If fits well to all 10 of the above items, please let me know. I would love to interview them. &lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7c24Uj' target='_blank'&gt;&lt;img src='https://pictr.com/images/2021/01/28/7c24Uj.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>lilu89</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 28 Jan 2021 14:04:34 +0800</pubDate>
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        <item>
            <title>Investments/Tradings</title>
            <link>http://forum.lowyat.net/topic/5038184</link>
            <description>Is Gin Lim from passiveseeds.com a real deal - made money from investing or trading? Or is this another financial guru &amp;#39;expert&amp;#39; scam??? Need your opinions guys..</description>
            <author>lilu89</author>
            <category>Serious Kopitiam</category>
            <pubDate>Thu, 08 Oct 2020 14:27:00 +0800</pubDate>
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