Horrors, Anguish and Frustrations of Forming Business Partnership with Mr. X
Subject: Horrors, Anguish and Frustrations of Forming Business Partnership with Mr. X
For Immediate Worldwide Release
15 May 2020 Friday
Author: Mr. Turritopsis Dohrnii Teo En Ming
Country: Republic of Singapore
Official historical records of Mr. Turritopsis Dohrnii Teo En Ming
Office of the Grand Historian
Teo En Ming is very adept at keeping historical records.
Document Version: 20200515.01 (very first version)
Preamble
========
Teo En Ming is the poorest man in Singapore, or perhaps in the whole world, because he is a TARGETED INDIVIDUAL (TI).
There are MILLIONS of Targeted Individuals in every country all over the world.
All Targeted Individuals believe they will not get to live very long because every Targeted Individual has numerous medical problems.
Majority of the millions of Targeted Individuals are of the opinion that these numerous medical problems were induced, arranged, or caused by the government.
Common sense tells us there is no get rich scheme. I am attending e-commerce online training classes in the hope of making a reasonable amount of passive income. Everybody wants to have a more comfortable life. You only live once (YOLO). See YouTube documentary https://youtu.be/eUhGM5lL9HY?t=565
Main Story
==========
I met Mr X at the Diploma (Conversion) in Computer Networking course at Singapore Polytechnic (Oct 2016 to Oct 2017 batch). Mr X subsequently went on to take Specialist Diploma in Network Security at Singapore Polytechnic but I did not follow.
On 29 April 2020 Wednesday at 7.30 PM Singapore Time, I attended an e-commerce online training class.
On 4 May 2020 Monday at 7.30 PM Singapore Time, I attended another e-commerce online training class conducted by another training school.
Checking my WhatsApp records, also on 4 May 2020, I approached Mr X and asked him if he is interested in forming a business partnership with me to sell low cost products on e-commerce online store. He agreed. We started having Zoom online meetings.
On 9 May 2020 at 11.31 PM Singapore Time, I drafted a written mutual agreement by email and asked Mr X to reply to my email confirming his agreement to my written mutual agreement.
The main points of the written mutual agreement are as follows:
1) Teo En Ming will contribute 50% of the capital.
2) Mr X will contribute 50% of the capital.
3) Teo En Ming will get 50% of the business profits.
4) Mr X will get 50% of the business profits.
5) Teo En Ming will setup the e-commerce online store and be in charge of running it and provide the necessary technical expertise.
Outside of the written mutual agreement, Mr X insists he wants to fully control the bank account and all the banking and finances. Mr X is very street smart. He wants win-win situation for himself and lose-lose situation for myself.
Although the business partnership consisted of 2 persons (Teo En Ming and Mr X), only one person is allowed to register the e-commerce online shop account. The e-commerce platform will need to verify the passport and identity card of the person registering the online shop account. To be able to add product listings, I have to add my personal bank account information and my personal debit card information first.
Mr X wanted to have access to the e-commerce online shop, to which I agreed. Because if any party cannot operate the online shop, the other party can take over and continue.
I told Mr X to wait first because my personal bank account information and my personal debit card information are on file and I don't want to expose my personal information to my business partner. We agreed to open a joint DBS/POSB bank account. I told Mr X that after we have opened the joint DBS/POSB bank account, I can proceed to delete my personal bank account information and my personal debit card information from the e-commerce online shop account and replace with joint bank account information and joint debit card information. Thereafter, I would be able to give Mr X access to the e-commerce online shop account. I explained these terms very clearly in the email I sent to Mr X. However, Mr X was very impatient and keeps asking me for access to the e-commerce online shop account.
On 14 May 2020 Thursday at 9 AM, we went to DBS/POSB bank branch at Toa Payoh HDB Hub. The bank staff told us we cannot open a joint bank account during covid-19 circuit breaker/lock down period. During our meeting there, Mr X told me that our business partnership must be based on trust only. Mr X was implying we should only have verbal agreement and not written agreement. By asking Mr X to sign the written mutual agreement electronically, he says that I do not trust him. Again Mr X reiterated that our business partnership must be based on trust only. He implies that he only want verbal agreement and does not want written mutual agreement. He told me not to send him any more emails for him to reply and acknowledge. Mr X is very street smart. He wants win-win situation for himself and lose-lose situation for myself.
After leaving DBS/POSB bank branch at Toa Payoh HDB Hub, both of us went home. After I have reached home, I login to our e-commerce online shop account and changed the existing password (because it is using my PERSONAL UNIQUE password). I gave Mr X the new password through email, even though he can see my personal bank account information and personal debit card information in our e-commerce online store. In the email, I also explained very clearly that our e-commerce online shop is protected by two-factor authentication (2FA). He needs to ask me for a 2FA token, and then click "Remember my web browser/Remember my computer" so that he will never have to ask me for 2FA token every time he login. This I have explained very clearly in the email.
At about 6 PM Singapore Time on 14 May 2020 Thursday, he sent me an email and a WhatsApp message telling me that he cannot login. On WhatsApp, I gave him the 2FA token, and told him to click "Remember my web browser/Remember my computer" so that he can login every time without asking me for the 2FA token.
Mr X now has *UNFETTERED* access to our e-commerce online shop account, although I still haven't replace my personal bank account information and personal debit card information on file with the joint bank account information (because we couldn't open a joint bank account earlier). And yet, Mr X still accuse me of not trusting him because I have 2FA enabled. He insisted on disabling 2FA. I tried to explain to Mr. X that with ONLY passwords alone, hackers can easily guess our password using brute force attack and automatic password guessing program and hack into our e-commerce online shop account easily. Therefore it is better to leave 2FA enabled to enhance security from a security point of view. But Mr X still insisted on disabling 2FA. It seems that Mr X cannot subscribe to reason, is incapable of logical reasoning, lacks common sense and has difficulty understanding simple English.
On WhatsApp, I told Mr X *MANY AND COUNTLESS TIMES* to click "Remember my web browser/Remember my computer" so that he will not have to ask me for 2FA token every time he login. In this way, Mr X will have UNFETTERED access to our e-commerce online shop account. But Mr X still insisted on disabling 2FA. He claims that by enabling 2FA, I do not trust him. It seems that Mr X cannot subscribe to reason, is incapable of logical reasoning, lacks common sense and has difficulty understanding simple English. I tried to explain the rationale for 2FA to Mr X *countless* times but he simply cannot get it into his head. I wonder why. Almost everybody I have spoken to would have encouraged me to enable 2FA. All banks require 2FA. I met a police SWAT officer at a neighborhood coffee shop at 7 PM on 14 May 2020 Thursday, explained our situation to him and he agrees we should all use 2FA in this internet age.
Subsequently Mr X decided to call off the business partnership citing I do not trust hime and wants me to return SGD231.10 to him. Just the day before, on 13 May 2020 Wednesday, we ordered USD325.50+USD9.61 (USD9.61 is transaction fee) worth of low cost products from a China supplier. Half or 50% of USD325.50 is SGD231.10. So Mr X transferred SGD231.10 to me via PayNow.
Since Mr X wants to call off the business partnership and wants me to return his SGD231.10, I told him to return the sample product and I would return him SGD231.10 immediately. Because I passed him the sample product worth USD30 on the morning we met at DBS/POSB Bank at Toa Payoh HDB Hub.
Initially Mr X suggested to meet at Woodlands MRT at 9 PM on 14 May 2020 Thursday. I told him very frankly that once he return me the sample product, I will also return him his SGD231.10 at the same time on the spot. Then Mr X changed the meeting time to 8.30 PM. Then he changed his mind again and told me I must bank transfer SGD231.10 to him immediately before I can meet him at Woodlands MRT to collect back my product sample. This altercation continued on and on on WhatsApp until late into the night.
At 7.54 PM on 14 May 2020 Thursday, I called the police hotline 999 seeking assistance/mediation. I also called the police hotline 999 again at 10.59 PM. The Singapore Police Department has all the records.
At about 8 PM on 14 May 2020, I walked to Toa Payoh Neighborhood Police Department hoping that the police can come in to mediate. I also filed a police report there because I objected to bank transfer SGD231.10 to Mr X immediately before I can meet him at Woodlands MRT to collect back my product sample. I insisted on a meeting where I can collect back my product sample and return him sgd231.10 on the spot at the same time. However Mr X keeps saying that if I do not bank transfer sgd231.10 to him immediately, then he will not meet me to return my product sample.
Mr X says he is afraid that I would run away with his SGD231.10. I told Mr X that if he is worried, he can call the police. I also told Mr X that I am presently at Toa Payoh Neighborhood Police Department now and I asked him to come here, since he says he is afraid I will run away with his SGD23.10 after getting back the product sample. Mr X refused to come to Toa Payoh Neighborhood Police Department and insisted that I should go to Woodlands or Admiralty where he lives.
Even at almost 11 PM which is so late that there would be no more trains, Mr X still demanded that I travel to Woodlands/Admiralty. APPARENTLY MR X IS BEING VERY INCONSIDERATE AND IS TRYING TO BE DIFFICULT WITH ME. At about 11 PM, I walked to Toa Payoh MRT Station, took a photo of the MRT station with time stamp and sent it to Mr X via WhatsApp. Because it is already very late, I told Mr X to meet at Woodlands East Neighborhood Police Department near Admiralty MRT station at 10 AM the next morning on 15 May 2020. I told Mr X that if he cannot wait, he can simply call 999 or the police. Mr X is worried I will run away with his SGD231.10 after getting back the sample product. I am also worried that he will not give me back the product sample after receiving bank transfer of SGD231.10 from me. So the best strategy is to meet at the police department!
At 9.30 AM on 15 May 2020 Friday, we eventually met at Woodlands East Neighborhood Police Department near Admiralty MRT station. I examined the product sample to be in working condition and I returned him SGD231.10 immediately using PayNow. The dispute has been settled.
Mr. X comes across to me as a person who cannot subscribe to reason, is incapable of logical reasoning, has no common sense, refuses to accept other people's reasoning, is extremely inconsiderate and cannot understand simple English. It is definitely a no no to have a business partnership with him.
I have almost verbatim transcript of my WhatsApp conversation with Mr X.
My Singapore Police Force police report number is E/20200514/2055.
I may have forgotten some details because I cannot remember everything at one shot. If necessary, I will update with new versions of this document to include details which I may have forgotten to add. My English is also not fantastic and I have limited vocabulary to express myself, so I may continually seek to improve my way of explaining things if a need arises. It seems like Mr X wants a win-win situation for himself and a lose-lose situation for myself. Another friend of mine says Mr X thinks that I am naive and simple minded and wanted to makan me.
REFERENCES
==========
[1] http://lists.linuxfromscratch.org/pipermail/lfs-chat/2020-May/029121.html
[2] https://lkml.org/lkml/2020/5/15/522
[3] http://lkml.iu.edu/hypermail/linux/kernel/2005.1/09921.html
[4] https://marc.info/?l=linux-kernel&m=158954674112984&w=2
[5] https://www.reddit.com/r/singapore/comments/gk8l8x/horrors_anguish_and_frustrations_of_forming/
For Immediate Worldwide Release
15 May 2020 Friday
Author: Mr. Turritopsis Dohrnii Teo En Ming
Country: Republic of Singapore
Official historical records of Mr. Turritopsis Dohrnii Teo En Ming
Office of the Grand Historian
Teo En Ming is very adept at keeping historical records.
Document Version: 20200515.01 (very first version)
Preamble
========
Teo En Ming is the poorest man in Singapore, or perhaps in the whole world, because he is a TARGETED INDIVIDUAL (TI).
There are MILLIONS of Targeted Individuals in every country all over the world.
All Targeted Individuals believe they will not get to live very long because every Targeted Individual has numerous medical problems.
Majority of the millions of Targeted Individuals are of the opinion that these numerous medical problems were induced, arranged, or caused by the government.
Common sense tells us there is no get rich scheme. I am attending e-commerce online training classes in the hope of making a reasonable amount of passive income. Everybody wants to have a more comfortable life. You only live once (YOLO). See YouTube documentary https://youtu.be/eUhGM5lL9HY?t=565
Main Story
==========
I met Mr X at the Diploma (Conversion) in Computer Networking course at Singapore Polytechnic (Oct 2016 to Oct 2017 batch). Mr X subsequently went on to take Specialist Diploma in Network Security at Singapore Polytechnic but I did not follow.
On 29 April 2020 Wednesday at 7.30 PM Singapore Time, I attended an e-commerce online training class.
On 4 May 2020 Monday at 7.30 PM Singapore Time, I attended another e-commerce online training class conducted by another training school.
Checking my WhatsApp records, also on 4 May 2020, I approached Mr X and asked him if he is interested in forming a business partnership with me to sell low cost products on e-commerce online store. He agreed. We started having Zoom online meetings.
On 9 May 2020 at 11.31 PM Singapore Time, I drafted a written mutual agreement by email and asked Mr X to reply to my email confirming his agreement to my written mutual agreement.
The main points of the written mutual agreement are as follows:
1) Teo En Ming will contribute 50% of the capital.
2) Mr X will contribute 50% of the capital.
3) Teo En Ming will get 50% of the business profits.
4) Mr X will get 50% of the business profits.
5) Teo En Ming will setup the e-commerce online store and be in charge of running it and provide the necessary technical expertise.
Outside of the written mutual agreement, Mr X insists he wants to fully control the bank account and all the banking and finances. Mr X is very street smart. He wants win-win situation for himself and lose-lose situation for myself.
Although the business partnership consisted of 2 persons (Teo En Ming and Mr X), only one person is allowed to register the e-commerce online shop account. The e-commerce platform will need to verify the passport and identity card of the person registering the online shop account. To be able to add product listings, I have to add my personal bank account information and my personal debit card information first.
Mr X wanted to have access to the e-commerce online shop, to which I agreed. Because if any party cannot operate the online shop, the other party can take over and continue.
I told Mr X to wait first because my personal bank account information and my personal debit card information are on file and I don't want to expose my personal information to my business partner. We agreed to open a joint DBS/POSB bank account. I told Mr X that after we have opened the joint DBS/POSB bank account, I can proceed to delete my personal bank account information and my personal debit card information from the e-commerce online shop account and replace with joint bank account information and joint debit card information. Thereafter, I would be able to give Mr X access to the e-commerce online shop account. I explained these terms very clearly in the email I sent to Mr X. However, Mr X was very impatient and keeps asking me for access to the e-commerce online shop account.
On 14 May 2020 Thursday at 9 AM, we went to DBS/POSB bank branch at Toa Payoh HDB Hub. The bank staff told us we cannot open a joint bank account during covid-19 circuit breaker/lock down period. During our meeting there, Mr X told me that our business partnership must be based on trust only. Mr X was implying we should only have verbal agreement and not written agreement. By asking Mr X to sign the written mutual agreement electronically, he says that I do not trust him. Again Mr X reiterated that our business partnership must be based on trust only. He implies that he only want verbal agreement and does not want written mutual agreement. He told me not to send him any more emails for him to reply and acknowledge. Mr X is very street smart. He wants win-win situation for himself and lose-lose situation for myself.
After leaving DBS/POSB bank branch at Toa Payoh HDB Hub, both of us went home. After I have reached home, I login to our e-commerce online shop account and changed the existing password (because it is using my PERSONAL UNIQUE password). I gave Mr X the new password through email, even though he can see my personal bank account information and personal debit card information in our e-commerce online store. In the email, I also explained very clearly that our e-commerce online shop is protected by two-factor authentication (2FA). He needs to ask me for a 2FA token, and then click "Remember my web browser/Remember my computer" so that he will never have to ask me for 2FA token every time he login. This I have explained very clearly in the email.
At about 6 PM Singapore Time on 14 May 2020 Thursday, he sent me an email and a WhatsApp message telling me that he cannot login. On WhatsApp, I gave him the 2FA token, and told him to click "Remember my web browser/Remember my computer" so that he can login every time without asking me for the 2FA token.
Mr X now has *UNFETTERED* access to our e-commerce online shop account, although I still haven't replace my personal bank account information and personal debit card information on file with the joint bank account information (because we couldn't open a joint bank account earlier). And yet, Mr X still accuse me of not trusting him because I have 2FA enabled. He insisted on disabling 2FA. I tried to explain to Mr. X that with ONLY passwords alone, hackers can easily guess our password using brute force attack and automatic password guessing program and hack into our e-commerce online shop account easily. Therefore it is better to leave 2FA enabled to enhance security from a security point of view. But Mr X still insisted on disabling 2FA. It seems that Mr X cannot subscribe to reason, is incapable of logical reasoning, lacks common sense and has difficulty understanding simple English.
On WhatsApp, I told Mr X *MANY AND COUNTLESS TIMES* to click "Remember my web browser/Remember my computer" so that he will not have to ask me for 2FA token every time he login. In this way, Mr X will have UNFETTERED access to our e-commerce online shop account. But Mr X still insisted on disabling 2FA. He claims that by enabling 2FA, I do not trust him. It seems that Mr X cannot subscribe to reason, is incapable of logical reasoning, lacks common sense and has difficulty understanding simple English. I tried to explain the rationale for 2FA to Mr X *countless* times but he simply cannot get it into his head. I wonder why. Almost everybody I have spoken to would have encouraged me to enable 2FA. All banks require 2FA. I met a police SWAT officer at a neighborhood coffee shop at 7 PM on 14 May 2020 Thursday, explained our situation to him and he agrees we should all use 2FA in this internet age.
Subsequently Mr X decided to call off the business partnership citing I do not trust hime and wants me to return SGD231.10 to him. Just the day before, on 13 May 2020 Wednesday, we ordered USD325.50+USD9.61 (USD9.61 is transaction fee) worth of low cost products from a China supplier. Half or 50% of USD325.50 is SGD231.10. So Mr X transferred SGD231.10 to me via PayNow.
Since Mr X wants to call off the business partnership and wants me to return his SGD231.10, I told him to return the sample product and I would return him SGD231.10 immediately. Because I passed him the sample product worth USD30 on the morning we met at DBS/POSB Bank at Toa Payoh HDB Hub.
Initially Mr X suggested to meet at Woodlands MRT at 9 PM on 14 May 2020 Thursday. I told him very frankly that once he return me the sample product, I will also return him his SGD231.10 at the same time on the spot. Then Mr X changed the meeting time to 8.30 PM. Then he changed his mind again and told me I must bank transfer SGD231.10 to him immediately before I can meet him at Woodlands MRT to collect back my product sample. This altercation continued on and on on WhatsApp until late into the night.
At 7.54 PM on 14 May 2020 Thursday, I called the police hotline 999 seeking assistance/mediation. I also called the police hotline 999 again at 10.59 PM. The Singapore Police Department has all the records.
At about 8 PM on 14 May 2020, I walked to Toa Payoh Neighborhood Police Department hoping that the police can come in to mediate. I also filed a police report there because I objected to bank transfer SGD231.10 to Mr X immediately before I can meet him at Woodlands MRT to collect back my product sample. I insisted on a meeting where I can collect back my product sample and return him sgd231.10 on the spot at the same time. However Mr X keeps saying that if I do not bank transfer sgd231.10 to him immediately, then he will not meet me to return my product sample.
Mr X says he is afraid that I would run away with his SGD231.10. I told Mr X that if he is worried, he can call the police. I also told Mr X that I am presently at Toa Payoh Neighborhood Police Department now and I asked him to come here, since he says he is afraid I will run away with his SGD23.10 after getting back the product sample. Mr X refused to come to Toa Payoh Neighborhood Police Department and insisted that I should go to Woodlands or Admiralty where he lives.
Even at almost 11 PM which is so late that there would be no more trains, Mr X still demanded that I travel to Woodlands/Admiralty. APPARENTLY MR X IS BEING VERY INCONSIDERATE AND IS TRYING TO BE DIFFICULT WITH ME. At about 11 PM, I walked to Toa Payoh MRT Station, took a photo of the MRT station with time stamp and sent it to Mr X via WhatsApp. Because it is already very late, I told Mr X to meet at Woodlands East Neighborhood Police Department near Admiralty MRT station at 10 AM the next morning on 15 May 2020. I told Mr X that if he cannot wait, he can simply call 999 or the police. Mr X is worried I will run away with his SGD231.10 after getting back the sample product. I am also worried that he will not give me back the product sample after receiving bank transfer of SGD231.10 from me. So the best strategy is to meet at the police department!
At 9.30 AM on 15 May 2020 Friday, we eventually met at Woodlands East Neighborhood Police Department near Admiralty MRT station. I examined the product sample to be in working condition and I returned him SGD231.10 immediately using PayNow. The dispute has been settled.
Mr. X comes across to me as a person who cannot subscribe to reason, is incapable of logical reasoning, has no common sense, refuses to accept other people's reasoning, is extremely inconsiderate and cannot understand simple English. It is definitely a no no to have a business partnership with him.
I have almost verbatim transcript of my WhatsApp conversation with Mr X.
My Singapore Police Force police report number is E/20200514/2055.
I may have forgotten some details because I cannot remember everything at one shot. If necessary, I will update with new versions of this document to include details which I may have forgotten to add. My English is also not fantastic and I have limited vocabulary to express myself, so I may continually seek to improve my way of explaining things if a need arises. It seems like Mr X wants a win-win situation for himself and a lose-lose situation for myself. Another friend of mine says Mr X thinks that I am naive and simple minded and wanted to makan me.
REFERENCES
==========
[1] http://lists.linuxfromscratch.org/pipermail/lfs-chat/2020-May/029121.html
[2] https://lkml.org/lkml/2020/5/15/522
[3] http://lkml.iu.edu/hypermail/linux/kernel/2005.1/09921.html
[4] https://marc.info/?l=linux-kernel&m=158954674112984&w=2
[5] https://www.reddit.com/r/singapore/comments/gk8l8x/horrors_anguish_and_frustrations_of_forming/
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