Even if you do not have little kids, pass this one on to everyone you
can think of. You never know who you might save by sending this e-mail!
Please, take the time and forward this to any friend who has children &
grandchildren! Thanks!
Wanted to share something that happened today while shopping at
Carrefour. A mother was leaning over looking for meat and turned around
to find her 4 years old daughter was missing. I was standing there right
beside her, and she was calling her daughter with no luck.
I asked a man who worked at Carrefour to announce it over the
loud-speaker. He did, and left me, he immediately walked right past me
when I asked and went to a pole where there was a phone. He made an
announcement for all the doors and gates to be locked, a code something.
So they locked all the doors at once.
This took all of 3 minutes after I asked the guy to do this. They found
the little girl 5 minutes later in a bathroom stall drugged .Her head
was half shaved, and she was dressed in her underwear with a bag of
clothes, a razor, and wig sitting on the floor beside her, to make her
look different.
Whoever this person was, took the little girl, brought her into the
bathroom, shaved half her head, and undressed her in a matter of less
than 10 minutes. This makes me shake to no end.
Please keep a close eye on your kids when in big places where it's easy
for you to get separated like Shopping Malls. It only took a few minutes
to do all of that. Another 5 minutes and she would have been out the
door.
I am still in shock that some sick person could do this, let alone in a
matter of minutes. The days are over when our little ones could run
rampant all over the place and nothing worse would happen then them
annoying people.
The little girl is fine. Thank God for fast workers who didn't take any
chances.
BE SURE TO FORWARD THIS TO EVERYONE, SO THEY REMEMBER JUST HOW SICK
PEOPLE ARE OUT THERE!
Monday, December 1, 2008
Sunday, November 30, 2008
Happened in Penang
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!
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!
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)
Thursday, June 5, 2008
Uncle, Make up your mind
We really do not know what is in his mind, in our great leader minds, making 4-5 different decisions within 1-2 weeks, and now they decided to push the petrol price up to RM2.70.
Uncle, do you know this is very embarrass? Do you know many people are laughing out loud on your great leadership? What is in your mind? to think of greater way to make more money for Malaysia or someone?
I, as a Malaysian, and I sincerely beg you... please do no embarrass Malaysian anymore with your great leadership, simply make up your fucking mind about the petrol and its price.
Wednesday, June 4, 2008
Chip at Identity Card
May be we have forgotten what is the purpose of the small chip on our Identity card.
This chip is suppose to serve the purpose for Malaysian to identify themselves in many different authorities, eg, IC can be used as driving license, credit card, phone card, medical card and etc.
But, until today, nothing happen !
Do you know that if you change your home address on your identity card in Singapore, many others correspondences have been changed, such as your driving license, utilities bill, phone bill, CPF, income tax and many more.
... sigh ... Singapore identity card has no chip ...
So, is not the technology, the is person who manage the country.
Rear Seat Belt
I do not know what is your opinion about the rear seat belt. Singapore has implemented like 2 years ago, of course it is important and for the safety for the passengers.
However, I do not have a positive view about Malaysia to implement it, not saying i disagree, but i think this policy will create more opportunity to a small group of officers to earn more income. Besides, I do not know how long this policy will be carried on.
As usual, after 1-2 years people tends to forget about it and the rules no longer become rules, the laws no longer laws.
However, I do not have a positive view about Malaysia to implement it, not saying i disagree, but i think this policy will create more opportunity to a small group of officers to earn more income. Besides, I do not know how long this policy will be carried on.
As usual, after 1-2 years people tends to forget about it and the rules no longer become rules, the laws no longer laws.
Petrol Ban Policy in Malaysia
Talk about banning foreign vehicles pumping petrol at the border of Malaysia, many have complained and as usual nothing is gonna happened.
From the point of the management, this is a total failure in managing the organization, and now we are talking about the managing the country. The key point our country leader has forgotten is communication. Sending a strong message to people to take certain action and to implement certain policy, without preparing the people is failure...
See what our neighbour country has done, the country leader was sending the message to people through different channel saying that the are going to open a casino, of course many voices of protest come from all over the place. The leaders have also using media and survey to ask people opinion about the casino, lets the people voice out their concerns and unhappiness. Ultimately the project of casino still carry on...
This is a good tactic to communicate so called the bad news to the public, and let the public to protest and comment, but ultimately, everyone know the project will still carry on.. but at least the announcement come only after few months later, when everyone has silently accept the fact.
Our friend learn this trick about 20%, they announce that some plans in implementing differential of petrol pricing is going to take place, using our cute identity card which come with the chip (which never been used for decades). Then, out of sudden, the banning of petrol at borders 50km was implemented, and somemore being propose for several times. Later, then talk about the subsidy plan for the Malaysian who owns the Singapore registered car. haha
See the conclusion about the decision:
1) Never think properly before making decision, never think of different scenario which gonna to happen, eg, Malaysian who owns Singapore car, then how...
2) Poor implementation and Management style. Never get the people to prepare for the change.
3) Poor planning. The leaders not sure how to plan and implement, things keep delaying.
4) Leader themselves not sure the possibility. Later say using IC chip, and for sure then later they found out some technical issue and subsequently change the plan, and some more say temporary measure.
Aiyo .. make up your mind and do your homework before you plan or implement something.
Simple thing also like that, some more talk about managing a country.
From the point of the management, this is a total failure in managing the organization, and now we are talking about the managing the country. The key point our country leader has forgotten is communication. Sending a strong message to people to take certain action and to implement certain policy, without preparing the people is failure...
See what our neighbour country has done, the country leader was sending the message to people through different channel saying that the are going to open a casino, of course many voices of protest come from all over the place. The leaders have also using media and survey to ask people opinion about the casino, lets the people voice out their concerns and unhappiness. Ultimately the project of casino still carry on...
This is a good tactic to communicate so called the bad news to the public, and let the public to protest and comment, but ultimately, everyone know the project will still carry on.. but at least the announcement come only after few months later, when everyone has silently accept the fact.
Our friend learn this trick about 20%, they announce that some plans in implementing differential of petrol pricing is going to take place, using our cute identity card which come with the chip (which never been used for decades). Then, out of sudden, the banning of petrol at borders 50km was implemented, and somemore being propose for several times. Later, then talk about the subsidy plan for the Malaysian who owns the Singapore registered car. haha
See the conclusion about the decision:
1) Never think properly before making decision, never think of different scenario which gonna to happen, eg, Malaysian who owns Singapore car, then how...
2) Poor implementation and Management style. Never get the people to prepare for the change.
3) Poor planning. The leaders not sure how to plan and implement, things keep delaying.
4) Leader themselves not sure the possibility. Later say using IC chip, and for sure then later they found out some technical issue and subsequently change the plan, and some more say temporary measure.
Aiyo .. make up your mind and do your homework before you plan or implement something.
Simple thing also like that, some more talk about managing a country.
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