This is pretty scary, in connection with the case on Ms Canny Ong who was raped and killed last year. A friend stopped at a pay-at-the-pump gas station to get gas. Once she filled her gas tank
after paying at the pump and about to leave, the attendant inside came over the speaker.
He told her that something happened with her card and that she needed to come inside to pay.The lady was confused because the transaction showed complete and approved. She told him that and was getting ready to leave but the attendant once again urged her to come in to pay or else. She proceeded to go inside and started arguing with the attendant about his
threat.
He told her to calm down and listen carefully:
He told her that while she was pumping gas, a guy slipped into the back seat of her car on the other side and he had called the police. She immediately became scared and looked out there in time to see her car door open and the guy slip out.
The report is that the new gang initiation thing is to bring back a woman's body part. One way they are doing this is crawling under girls/women's cars while they're pumping gas or at grocery stores in the night time. Then, they will cut of the legs ankles to disable them in order to kidnap them, kill and dismember them. The other way is slipping into unattended cars
and kidnapping the women to kill and dismember them. Please pass this on to other women, young and old alike. Be extra careful going to and from your car at night. If at all possible, don't go alone! This is real!!
The message:
1. ALWAYS lock your car doors, even if you're gone for just a second.
2. Check underneath your car when approaching it for re-entry, and check
in the back before getting in.
3. Always be aware of your surroundings and other individuals in your
general vicinity, particularly at night!
Sunday, November 30, 2008
EMPLOYEE'S PROVIDENT FUND (EPF)
This is an important reminder on EPF beneficiaries. Kindly forward to your friends especially the Non-Bumi. Make sure they do the necessary to name their beneficiaries. Be a help and pass this info to all your friends. It pays not to be ignorant. Please read on and do take the appropriate action of naming your EPF beneficiaries or updating your nomination :
1) Scenario, Imagine this :-
A EPF contributor with a non-working wife and 3 school-going children. He died unexpectedly of a heart attack. He has been contributing to the EPF since he started work as an engineer about 25 years ago and have a sizeable amount of savings. However, the widow approaches the EPF for the savings she is informed that he had named his 1st girlfriend as the beneficiary and never got to updating his nomination. Therefore, the widow is not entitled to a cent of the money. (In case of Muslims, there is still recourse under the Syariah Laws) For Non-Muslims, however, there is real concern that your life-long savings may not reach your dependants.) The above scenario may seem unlikely to you but such cases are very common.
2) Findings of the EPF :-
Many EPF contributors either do not name any beneficiary or else fail to update their nomination as conditions warrant. As it stands, about 76% of EPF's 8.51 million members have not made any nomination. And out of the 24% who have, many have not updated their nomination. All your savings and the dividends accumulated over the years may not go to those who need it the most if you do not name a beneficiary or do not update your nomination.
What happens if :-
a) Failure to make a nomination :-
If a EPF member has not made any nomination, his savings will be distributed in accordance to the law.
Letters of Administration (LA) :-
In general, when no nominee is named, the member's family will have to produce what is known as LA and submit this to the EPF in order to withdraw the savings. (The LA authorises the person appointed to act as administrator of the estate of the deceased member. This involves employing the services of a lawyer who will make the relevant petitions to court to get the LA. The whole process takes 8 to 12 months, or longer if more than one person decides to obtain the LA).
Grant of Probate (Probate) :-
If the member had made a will, the member's family will have to produce what is known as Probate and submit this to the EPF. (The Probate is an authorisation by the court to the executor named in the will to administer the distribution of the estate of the deceased member).
a) Distribution Order :-
If the money in question does not exceed RM 600,000 (and there is no land involved), the family of the deceased can then approach the Public Trustee (Amanah Raya)! to obtain a Distribution Order.
b) Consequence of failing to update nomination :-
If the member does not update his nomination, whoever the EPF contrib utor has named as his or the beneficiary in the Form KWSP 4 (AHL) will receive the member's entire savings. Therefore,the spouse and family of the deceased
will receive nothing if thecontributor has named someone else, his friend, as his EPF beneficiary. This friend will inherit his savings even if the contributor had named his spouse and children as beneficiaries to his property, including his EPF savings, in a will made after the EPF nomination
c) Muslim contributors :-
They are governed by the inheritance regulations under the Syariah Laws. The term "beneficiary" does not apply to the person nominated by a muslim. The nominee in effect only acts as an executor(wasi) of the contributor's savings. Upon the contributor 's death, this executor has a duty to distribute the deceased's property in accordance with Faraid (inheritance) Laws.
3) How does one make a nomination or update a previous one ?
You can do it by completing the Form KWSP 4 (AHL) which can be obtained at the EPF offices. You have to fill in a new KWSP 4 with the name of the person you now want to inherit your EPF savings. The new form will automatically cancel your previous nomination...... The advantages of naming a beneficiary and keepingthis nomination updated are enormous. It not only ensure that your savings will goto those who need it most, but also guarantees speedy payment to your loved ones in such a time of need. If all the documents are in order, your n ominee will get your EPF savings in about a month.
4) Locations of EPF Offices :-
* Menara Komtar, Paras 47, Penang
* Wisma KUWASA, Ground Floor, Jalan Raja Laut, Kuala Lumpur.
* Bangunan Yayasan Selangor, near AMCOP Mall, Petaling Jaya
* Wisma Peransang, Shah Alam, Selangor Darul Ehsan.
* Wisma Emerald, Jalan Meru, Klang, Selangor Darul Ehsan.
* Bangunan EPF, Johor Bharu (center of the city, opposite Wisma Imigresen)
1) Scenario, Imagine this :-
A EPF contributor with a non-working wife and 3 school-going children. He died unexpectedly of a heart attack. He has been contributing to the EPF since he started work as an engineer about 25 years ago and have a sizeable amount of savings. However, the widow approaches the EPF for the savings she is informed that he had named his 1st girlfriend as the beneficiary and never got to updating his nomination. Therefore, the widow is not entitled to a cent of the money. (In case of Muslims, there is still recourse under the Syariah Laws) For Non-Muslims, however, there is real concern that your life-long savings may not reach your dependants.) The above scenario may seem unlikely to you but such cases are very common.
2) Findings of the EPF :-
Many EPF contributors either do not name any beneficiary or else fail to update their nomination as conditions warrant. As it stands, about 76% of EPF's 8.51 million members have not made any nomination. And out of the 24% who have, many have not updated their nomination. All your savings and the dividends accumulated over the years may not go to those who need it the most if you do not name a beneficiary or do not update your nomination.
What happens if :-
a) Failure to make a nomination :-
If a EPF member has not made any nomination, his savings will be distributed in accordance to the law.
Letters of Administration (LA) :-
In general, when no nominee is named, the member's family will have to produce what is known as LA and submit this to the EPF in order to withdraw the savings. (The LA authorises the person appointed to act as administrator of the estate of the deceased member. This involves employing the services of a lawyer who will make the relevant petitions to court to get the LA. The whole process takes 8 to 12 months, or longer if more than one person decides to obtain the LA).
Grant of Probate (Probate) :-
If the member had made a will, the member's family will have to produce what is known as Probate and submit this to the EPF. (The Probate is an authorisation by the court to the executor named in the will to administer the distribution of the estate of the deceased member).
a) Distribution Order :-
If the money in question does not exceed RM 600,000 (and there is no land involved), the family of the deceased can then approach the Public Trustee (Amanah Raya)! to obtain a Distribution Order.
b) Consequence of failing to update nomination :-
If the member does not update his nomination, whoever the EPF contrib utor has named as his or the beneficiary in the Form KWSP 4 (AHL) will receive the member's entire savings. Therefore,the spouse and family of the deceased
will receive nothing if thecontributor has named someone else, his friend, as his EPF beneficiary. This friend will inherit his savings even if the contributor had named his spouse and children as beneficiaries to his property, including his EPF savings, in a will made after the EPF nomination
c) Muslim contributors :-
They are governed by the inheritance regulations under the Syariah Laws. The term "beneficiary" does not apply to the person nominated by a muslim. The nominee in effect only acts as an executor(wasi) of the contributor's savings. Upon the contributor 's death, this executor has a duty to distribute the deceased's property in accordance with Faraid (inheritance) Laws.
3) How does one make a nomination or update a previous one ?
You can do it by completing the Form KWSP 4 (AHL) which can be obtained at the EPF offices. You have to fill in a new KWSP 4 with the name of the person you now want to inherit your EPF savings. The new form will automatically cancel your previous nomination...... The advantages of naming a beneficiary and keepingthis nomination updated are enormous. It not only ensure that your savings will goto those who need it most, but also guarantees speedy payment to your loved ones in such a time of need. If all the documents are in order, your n ominee will get your EPF savings in about a month.
4) Locations of EPF Offices :-
* Menara Komtar, Paras 47, Penang
* Wisma KUWASA, Ground Floor, Jalan Raja Laut, Kuala Lumpur.
* Bangunan Yayasan Selangor, near AMCOP Mall, Petaling Jaya
* Wisma Peransang, Shah Alam, Selangor Darul Ehsan.
* Wisma Emerald, Jalan Meru, Klang, Selangor Darul Ehsan.
* Bangunan EPF, Johor Bharu (center of the city, opposite Wisma Imigresen)
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