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标题: 你会管理自己的钱财吗?听听她的故事
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发表于 2014-6-8 17:29  资料 文集 短消息 
你会管理自己的钱财吗?听听她的故事

百万元捐款和赔偿金在一年内花完,她是如何做到的呢?

(新加坡8日訊)100萬善款,1年后花光!清潔工在樟宜機場遭劫德士的狂漢撞死,遺孀1年后耗盡善款。

 2012年3月17日,在樟宜機場的廉航候機樓,德士乘客疑突然發狂,襲擊司機搶走德士逃走,卻失控撞進樟宜機場的廉價航空候機樓,撞死了值班清潔工。

 死者是34歲的印度籍清潔主管莫根。他留下了遺孀帕斯帕拉妮(34歲)和4個年齡介于2歲到11歲的孩子,處境甚憐。

 善心公眾紛紛捐款,加上保險公司賠償,遺孀當時獲得了近100萬元(約250萬令吉)。她也辭掉了工作,專心照顧孩子。

 《星期天時報》報道,保險賠償款額超過10萬元(約25萬令吉),公眾的捐款則約80萬元(約200萬令吉)。

 樟宜機場集團發言人指出,當時為遺孀安排輔導員和財務顧問。遺孀說,財務顧問建議孩子各得20萬元(約50萬令吉),她則拿15萬元(約37萬5000令吉)。

 “他還交代,不要動用孩子的錢。我自己那筆錢可拿來做個小生意。”

 然而,遺孀對《星期天時報》說,這筆善款,1年后就花光了。

 “我真的是太愚蠢了。我沒有買房子,也花光了應留給孩子的錢。”

投資血本無歸

 她指出,她回到吉打州老鄉時,把一筆錢拿去還債、給了親戚,還帶孩子到雲頂遊玩。

 另一部分則是投資在生意。遺孀解釋,她把40萬元(約100萬令吉)投資在哥哥的生意上,購買了羅厘,最終血本無歸。

 另一筆40萬元,則是一家人的生活開銷。100萬元的款項,在去年5月耗盡。

 “我沒工作,但得繼續吃飯,照顧兩老。老么還小,需要奶粉尿片。我的開銷高達6000令吉(約2337新元),我怎么找這筆錢呢?”

遺孀愧對善心人

“我感到慚愧,不知如何向善心人士交代。”

 遺孀指出,經友人介紹后,她在新山找到工作,目前是一名會計事務員,每月賺取2000令吉(約780元)。

 現在,他們一家五口居住在一家陳舊的兩層樓排屋,空蕩蕩的客廳裡只張掛了死者遺照。他們睡在兩張舊床鋪,地上則放滿了衣服,連衣櫃都沒有錢買。

 “一個月2000令吉不足應付開銷,我想回到新加坡工作,但是我感到慚愧,不知如何向好心的捐款人士交代。”

http://www.straitstimes.com/news ... -now-broke-20140608\

$1m gone in one year: Widow of killed Changi Airport worker is now broke

Two years ago, after her husband was killed in a freak accident while working at Changi Airport's Budget Terminal, she received nearly $1 million in insurance payouts and donations from the public.

Today, that money is all gone.

Madam Pusparani Mohan, 34, is now looking for work in Singapore to support her four young children back in Johor Baru.

"I made a mistake. People knew I had so much money and they all came to me. I am so stupid. I never buy house and finished all the money meant for my children," Madam Pusparani told The Sunday Times from her home in Skudai.

She gave some of it away to relatives when she returned to her hometown in Kedah, then spent a portion of it on a holiday in Genting Highlands with her family. She also lost a chunk of it to a bad business investment - all in the span of a year.

"Now I don't have enough for my children's future."

On March 17, 2012, her husband, Mr Chandra Mogan Panjanathan, 34, was operating a floor-scrubbing machine outside the terminal when he was hit by a taxi hijacked by a Chinese national.

The driver is now serving his jail sentence of two years and one month for voluntarily causing hurt in committing robbery.

Donations poured in after the tragic accident was reported in the media. Many sympathised with Madam Pusparani, who was also working as a cleaning supervisor at the airport, for having to raise four children by herself.

The Malaysian couple's youngest daughter was barely three months old then. Today, their children are aged two, seven, 10 and 11.

Changi Airport Group (CAG) helped to collect donations after it received calls from members of the public wanting to help. Madam Pusparani said she is not clear how much was collected, but thinks it could be about $800,000. She also received over $100,000 in insurance payouts, she said.

"The CAG financial adviser advised me to divide the money between myself and my four children. After allocating $200,000 to each of my four children, I was left with $150,000," she said.

She took that $150,000 home to Johor Baru, quitting her job in Singapore, to take care of her children.

A CAG spokesman told The Sunday Times the CAG had arranged for a family counsellor for Madam Pusparani and had also engaged a financial services adviser to help her with the money she received, including setting up an annuity plan for her children.

"I was told not to touch my children's money as it was meant for their future," she said, adding that the financial adviser also suggested she could use the remaining money to set up a small business in Malaysia.

But the money proved too much for Madam Pusparani to manage on her own.

She said she first had to pay off debts of $50,000 - the couple, who made $2,000 a month jointly, had borrowed money from friends to make ends meet.

Then, she decided to invest the remaining $100,000 in her brother's transport business in Kuala Lumpur, thinking it would give her a stable income.

"But I was told the money was only enough to buy one lorry and we needed three lorries. So, I withdrew half of my children's money, which was about $400,000, to buy two more lorries."

Madam Pusparani said CAG was unaware of the withdrawal as the money was kept in an account under her name.

"I was thinking I could put the money back later," said Madam Pusparani, her voice shaking.

The business did make money in the first three months, said Madam Pusparani, who has a Sijil Pelajaran Malaysia, the equivalent of an O-level certificate, and who took up accounting as she wanted to manage the business herself.

But in the fourth month, the widow was told that the company was losing money. She said she fell out with her brother eventually and did not recover any of her investment.

Her younger brother, Mr Magan Mohan, 32, a technician, said she blamed the family for encouraging her to invest in the business. Mr Magan said his elder brother's business has since folded.

"Some people think my sister gambled away the money, but she never gambles or drinks. She just got into the wrong business."

In January last year, Madam Pusparani took out the rest of the money meant for her children.

She had no choice, she said.

"I never work, but I have to eat. I also need to take care of my parents. I was living with them and I had to pay for the monthly rental which was about RM1,000. My baby is still young and needs money for milk and pampers," said Madam Pusparani, agitatedly.

"My expenses came up to RM5,000 to RM6,000. Where do I find the money?"

That last $400,000 she withdrew lasted her five months.

By May last year, she was broke.

"I also don't know how I finished (using) the money," she said.

A friend got her a job as an accounts clerk in Johor Baru, earning RM2,000 (S$780) a month.

Today, her employer pays her rent for an old, double-storey terraced house, which her family of five live in. A huge portrait of the late Mr Chandra is the only thing adorning the empty living area. Her children's shoes are torn and worn out; so too are their schoolbags.

The family sleeps on two old mattresses in one of three rooms on the second storey. Clothes are piled up on the floor as they cannot afford a cupboard to keep them in.

"I cannot survive with RM2,000 a month. I am thinking of going to work in Singapore. But I feel ashamed," said Madam Pusparani tearfully.

"I don't know how to explain to the people who donated money to me and my children."


[ 本帖最后由 LoveSG 于 2014-6-9 14:39 编辑 ]
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发表于 2014-6-9 14:44  资料 文集 短消息 
善心公众的80万捐款就这样一年内花完了,新加坡人,你愿意再捐款帮助她吗?
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