Monthly Archives: May 2010

Torchlight? or Stungun? Beware everyone

Email from a friend: Must Read!:

FOR YOUR INFORMATION, latest weapon used thief’s.

THIS IS VERY IMPORTANT. NO MATTER HOW BUSY YOU ARE, YOU MUST GIVE YOURSELF AT LEAST 3 MINUTES TO READ THIS!

I just thought to let know what my doctor told me recently.. I don’t think she was lying and neither am I, so please pass this on to your friends… Her clinic is in SS2 and you know how congested that place is.

One morning a few months ago in broad daylight, a girl was getting into her car when a few men approached her with what looked like a torchlight. Quite harmless looking. They pressed the “torchlight” into her back and immediately she went limp and very pale. So she wouldn’t be able to fight back, they slashed her thigh with a parang and sped away in her car.

There were many people around and they quickly took her to the nearest clinic which was my doctor’s clinic. There were two doctors at that time and they managed to stitch up her wound but the girl remained pulse-less and still pale as paper.. No pulse, no BP (blood pressure). Just like dead.

My doctors were confused as to how one wound on the thigh made the girl almost like dead? They managed to revive her and save her life.

After some checking around, the doctors found out what actually happened was that the girl was made unconscious not by a torchlight but actually a high voltage weapon.. I forgot how many watts she mentioned. 1000? Anyway, it was high enough to kill a person by electrocution.

It seems this weapon is from China . It’s not rampant yet in Malaysia , but with this thing, a person can rob, rape, kill, kidnap, and practically do anything to you. My doctor said that if the girl weren’t taken to the clinic immediately she would have died because there was no pulse on her.

So please just beware of your surroundings, if anybody is lurking around with a torchlight-thingy and approaches you, just scream or run away. Better to be embarrassed than ZAPPED and fried, right? Take care.

PS: Malaysian goverment should ban this item in Malaysia. Tell everyone and pressure the government. It endagers the life and safety of your daughter, your wife and almost anyone.

Masjid dan Politik

Di dalam Islam, politik dan urusan negara tidak boleh dipisahkan. Memisahkan agama dari politik adalah berakar umbi dari pemikiran sekular. Ia bermula di Eropah apabila puak gereja mendakwa suara gereja adalah suara Tuhan, dan gereja cuba mengawal segala-galanya termasuk tanah, hasil pertanian, dan ilmu. Apabila ahli sains seperti Newton mengemukakan teori graviti, puak gereja tidak bersetuju dengannya kerana ia berlawan dengan ilmu gereja. Dan ahli sains dan bijak pandai dalam komuniti Kristian dihukum dan ada yang dibunuh. Akhirnya, rakyat Kristian bangkit menentang gereja. Puak ini dikenali sebagai Protestant yang memprotes puak konservatif gereja Katolik yang fanatik dan ekstrem malah menyesatkan.

Apabila puak Protestant mula mendapat tempat dan popular, mereka menyebarkan fahaman sekular iaitu memisahkan agama dan politik ke tempat lain. Bagi mereka, agama adalah milik gereja, sementara urusan negara adalah milik rakyat. Suara rakyat adalah lebih berkuasa dari suara gereja. Suara majoriti adalah suara Tuhan bagi puak ini sepertimana yang dianuti oleh puak berfahaman demokrasi barat. Apabila puak Protestant menjajah Malaysia, fahaman inilah yang ditanam dalam pemikiran orang Melayu Islam terutamanya pewaris penjajah iaitu UMNO. Pemikiran sekukar ini terus dipupuk dalam dunia pendidikan dan dalam media sehingga majorti rakyat Melayu dan bukan Melayu menganut fahaman ini: agama suku, politi suku.

Bekas mufti Khilafah Othmaniah, As-Syeikh Mustafa Sobri, pernah berfatwa, bahawa jalan paling dekat menuju ke arah murtad ialah dengan memisahkan agama dari politik.

Apa yang ironiknya, UMNO-BN mengatakan PAS menggunakan masjid sebagai tempat untuk berpolitik tetapi cuba lihat artikel di bawah ini serta foto-foto bukti bahawa UMNOlah sebenarnya yang salah guna masjid untuk kepentingan politik tanpa segan silu.

http://www.tranungkite.net/v10/modules.php?name=News&file=article&sid=4884

Pada hakikatnya, apa yang jelas ialah dalam kalangan pimpinan UMNO, mereka tidak layak dan tidak tahu menjadi imam, tidak tahu baca Qutbah, tidak tahu baca doa lepas solat, tidak tahu pimpin baca Yaasin, tidak tahu pimpin baca tahlil, tidak tahu pimpin mandikan mayat, tidak tahu pimpin solat janazah, dan tidak tahu baca talkin. Malah disesetengah tempat, orang atas pagar dan orang UMNO sendiri tidak yakin untuk menyuruh orang UMNO sembelih lembu masa hari raya Qurban. Manakala orang PAS dan majoriti pimpinan PAS boleh dan tahu laksanakan semua hal berkenaan. Itulah yang UMNO malu dan takut kerana PAS mendapat tempat di surau dan masjid.

Lalu UMNO-BN memukul gendang bahawa PAS menggunakan masjid untuk kepentingan politik. Bila diminta bukti, mereka tidak dapat berikan bukti. Bila ada pimpinan PAS membaca dan berdoa “Ya Allah Ya Tuhan kami, berikanlah kemenangan kepada Islam, berilah kemenangan kepada perjuangan Islam di atas muka bumi ini”, maka UMNO-BN beranggapan ini adalah doa untuk kemenangan PAS! Betapa gelapnya hati sesetengah orang UMNO-BN, baki pewaris orang putih.

UMNO-BN menggunakan penulis ucapan (speech writer) Yang DiPertuan Agung dan Sultan serta ucapan pimpinan masyarakat supaya dimasukkan dalam ucapan tersebut ingatan supaya jangan gunakan masjid sebagai tempat politik dan menghalang pimpinan PAS termasuk Menteri Besar Kelantan, satu jawatan sah dalam kerajaan yang sah, daripada membaca Qutbah di masjid di Selangor.

Ucapan itu dibaca oleh Yang DiPertuan Agung dan Sultan, kemudian pimpinan UMNO-BN memanipulasi ucapan itu untuk menyerang PAS dengan menggunakan semua media arus perdana. Dipukul gendang propaganda UMNO-BN hampir setiap hari selepas ucapan Yang DiPertuan Agung dan Sultan itu di sampaikan dalam Dewan Negeri, Dewan Negara, Dewan Rakyat atau Majlis-Majlis yang dihadiri oleh Raja-Raja.

Bukan itu sahaja, malah Jabatan Agama dan Majlis Agama Negeri menghalang majlis tazkirah di bulan Ramadhan kerana bimbang ramai orang PAS yang mengisi majlis tersebut. Yang menguasai Agama dan Majlis Agama Negeri juga terdiri majoritinya orang yang berfahaman sekular: agama suku, politik suku. Mereka tidak membaca sejarah masjid dalam islam di zaman Nabi s.a.w dan para Khalifah islam sebelum ini.

Dan pelbagai lagi halangan dan hambatan yang dilakukan oleh UMNO-BN melalui Jabatan Agama dan Majlis Agama. Hatta bekas Mufti Selangor, Almarhum Ustaz Ishak Baharum, juga dihalang dari berqutbah dan memberi ceramah dan tazkirah selepas beliau tidak lagi berkhidmat sebagai Mufti Selangor, kerana dipecat oleh arahan Mahathir. Polis juga digunakan untuk menangkap penceramah ulung seperti Dato’ Ustaz Haron Din suatu ketika dulu di Surau Jubli Perak di Bangi.

Rakyat yang buta huruf dan rendah pelajaran serta cetek agama mungkin mudah menerima berita dan ucapan UMNO-BN mengenai dakwaan pimpinan UMNO kononnnya PAS salahguna masjid untuk kepentingan politik. Itu perkara biasa dan tidak ada yang dihairankan.

Tetapi yang pelik ada yang celik huruf, celik IT, dan berpelajaran tinggi masih percaya dakwaan UMNO-BN mengenai isu ini. Mungkin sebab cetek agama menyebabkan mereka jadi begitu.

Tetapi ada juga orang miskin, buta huruf, berpelajaran rendah tetapi tinggi kefahaman agama dan kuat iman, mereka tidak menyokong fahaman sekular UMNO-BN iaitu agama suku, politik suku.

Ada juga orang kaya, berpelajaran tinggi dan tetapi tinggi kefahaman agama dan kuat iman tidakberiman dengan fahaman sekular UMNO-BN iaitu agama suku, politik suku.

Breathing Therapy, try it out!


The nose has a left and a right side; we use both to inhale and exhale.

Actually they are different; you would be able to feel the difference.

The right side represents the sun, left side represents the moon.

During a headache, try to close your right nose and use your left nose to breathe.

In about 5 Mins, your headache will go?

If you feel tired, just reverse, close your left nose and breathe through your right nose.
After a while, you will feel your mind is refreshed.

Right side belongs to ‘hot’, so it gets heated up easily, left side belongs to ‘cold’.

Most females breathe with their left noses, so they get “cooled off” faster.

Most of the guys breathe with their right noses, they get worked up.

Do you notice the moment we wake up, which side breathes faster? Left or right? ?

If left is faster, you will feel tired.
So, close your left nose and use your right nose for breathing, you will get refreshed quickly.

This can be taught to kids, but it is more effective when practiced by adults.

My friend used to have bad headaches and was always visiting the doctor.

There was this period when he suffered headache literally every night, unable to study.

He took painkillers, did not work.

He decided to try out the breathing therapy here: closed his right nose and breathed through his left nose.

In less than a week, his headaches were gone! He continued the exercise for one month.

This alternative natural therapy without medication is something that he has experienced.

So, why not give it a try?

KWSP – watch out for scam!

From: KOMUNIKASI KORPORAT
Sent: Thursday, November 19, 2009 5:46 PM
To: ANGGOTA_KWSP
Subject: Penyebaran Emel Berantai Berkaitan Penamaan & Pengeluaran Ansuran Bulanan Pinjaman Perumahan KWSP

Assalamualaikum & Salam Sejahtera,

Tuan / Puan,

Dimaklumkan bahawa sejak kebelakangan ini, emel berantai ( chain emails ) berkaitan Penamaan dan Pengeluaran Ansuran Bulanan Pinjaman Perumahan didapati telah diedarkan semula. Emel sebegini boleh mengeliru dan menjejaskan imej KWSP.

Untuk makluman tuan/puan, kedua-dua emel berantai berkaitan telah diambil tindakan sebelum ini melalui emel dan kenyataan akhbar. Sekiranya tuan/puan masih menerima emel sebegini, tuan/puan boleh membalas emel tersebut dengan menggunakan contoh jawapan yang disediakan. Panduan jawapan ini juga boleh digunakan sekiranya tuan/puan menerima pertanyaan di kaunter atau melalui talian telefon. Disertakan contoh emel berantai dan jawapan kepada emel tersebut untuk makluman dan tindakan tuan/puan .

Oleh kerana emel sebegini sering berulang setiap 3 atau 4 bulan sekali, saya cadangkan tuan/puan menyimpannya dalam bentuk soft copy untuk rujukan dan tindakan di masa hadapan.

Sila berkongsi maklumat ini bersama anggota di bawah seliaan tuan/puan.

Sekian, terima kasih.

Nik Affendi Jaafar
Pengurus Besar
Jabatan Komunikasi Korporat

________________________________________

1. Chain Email on Nomination

Subject: EPF Rules: A must read

If ONE (1) of your Nominees in the EPF Nominees list dies, automatically the whole arrangement (EPF Nominees list) is VOID . Meaning if, you only put in One (1) name & unfortunately he/she dies before you ? automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.

Even though if you have few names in the EPF Nominees list, – the whole arrangement is VOID & none of the individual names left in the EPF Nominees list will get their portion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.

Piece of advice – if any of the your Nominees in the EPF Nominees list dies, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & register your NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage .

If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrendered to trustee of AMANAH RAYA .

Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;
• Majlis Agama
• Pejabat Tanah
• Mahkamah

EPF’s Response:

Dear friends,

This is EPF’s explanation:-

• If a member has more than one nominee and one of the nominees dies during the member’s lifetime, only the portion that was bequeathed to the deceased nominee will be invalid.

Should the member later dies without updating his nomination, the other nominees will receive their portion accordingly. Only the portion that was bequeathed to the deceased nominee will be subject to procedures under ‘EPF savings without nomination’ in which the first priority for the right to claim the member’s savings goes to the nearest next of kin or the appointed administrator of the deceased member’s estate.

Therefore it is not true that if you, as a member, have named more than one nominee, the entire nomination will be void if one of the nominee dies before you. It follows however that if you have named only one nominee and he or she dies before you, the nomination will be void unless a new beneficiary is nominated.

• Please note that you don’t have to produce the death certificate of a deceased nominee to change your nomination. You can change/update your nomination anytime by simply completing a new KWSP 4 (AHL) Form. This will automatically revoke any earlier nomination made.

• The information concerning approaching EPF counter within 3 days to avoid EPF savings being ‘surrendered to Amanah Raya’ if no nomination is made or if nominee dies at the same time as the member is not true .

Depending on the amount of savings in the member’s account, if there is no nomination the procedure will be as follows:

If member’s EPF savings are less than RM2 5 ,000:

Ø Initial sum of RM2,500 will be paid to the next of kin.
Ø The balance will be paid after a two-month period from the date of the member’s death.

If member’s EPF savings are more than RM2 5 ,000:

Ø Initially a sum of RM2,500 will be paid to the next of kin.
Ø The second payment (not more than RM17,500) will be paid to the next of kin after two months from the date of the member’s death.
Ø The balance of the savings will be paid upon submitting the Letter of Administration/Letter of Probate/Distribution Order/Faraid Certificate from the party that administers estates such as Amanah Raya Berhad or the Court or the Land Office, respectively. The process to obtain these documents is time-consuming and certain fees will also need to be paid. On the other hand, with nomination, no fees need to be paid.

This is precisely why nominating is very important. You should also ensure that you update your beneficiary whenever there is any major life changes such as marriage, additional new members or the death of a nominated beneficiary.

Please help to clarify the issue by forwarding this clarification to all your cyber friends.

________________________________________
2. Chain Email on Dividends on Monthly Housing Withdrawals

Subject: Is it a SCAM by KWSP?

Remember during Budget 2008 announcement last yr, our Finance Minister cum PM) announced that in order to assist KWSP members to reduce the burden in housing load repayment, KWSP will allow monthly withdrawal from members’ A/C II for the purpose?

Sounds like a nice goodies!

When you apply for the monthly withdrawal, you only need to provide KWSP yr housing loan & installment details from yr bank and the bank a/c # you like KWSP to bank the monthly withdrawal into it. KWSP will approve yr application based on the available amt in yr A/C II and compute the withdrawal period by dividing the approved amt with the monthly installment amt.

Application process takes about a month and you will receive the monthly payout promptly into yr bank a/c!

Well everything appear to be nice and good. It was indeed a noble plan until you take to close look at yr KWSP Statement!

This is how the so-called KWSP SCAM works…….

Assuming you have RM100,000 in yr A/C II and yr housing loan’s monthly installment is RM2000/mth.

KWSP will approve yr application of withdrawal from yr A/C II of RM100,000 and pay you Rm2000/mth for the next
50mths.

Everything appears to be in order BUT…….. What KWSP didn’t highlight to you is that when the application was approved, the TOTAL AMT (RM100,000) is removed from A/C II! It appears to be transferred to an unknown a/c to effect the monthly payment from therein..

The impact to the member are as follows :-

1. You just lost RM100,000 from yr A/C II. Assuming the KWSP Dividend is 5%, you will lose RM4,000 in dividend during the 1st year. Based on the above example you will lose RM10,000 over the 50 mths period!

2. There is no statement to account for the amt approved vs. amt paid, hence you would need to keep the monthly payment voucher to reconcile against the approved amt over the 50mths period to ensure there is no missing amt!

Assuming there are 100,000 members who innocently fell prey to this SCAM, based on the above example, KWSP would have cheated the members of 100,000 X RM10,000 = RM1,000,000,000 (that’s RM1 BILLION) over the period!

Furthermore, if you discovered this SCAM early and intend to stop the plan, KWSP would not allow any cancellation of the plan until at least 1 year. That would mean, once the application is approved, based on the above example, you would have lost RM4,000.

100,000 members would have lost 100,000 X RM4,000 = RM400,000,000(RM400 MILLION) in One Year!!!

If you’re a victim of this KWSP SCAM, would suggest you call yr MP to raise it up in Parliament!

For others who have not fallen into this SCAM, pls continue to watch out and alert yr family & friends about this.

HOW COULD THE GOVERNMENT ALLOW ITS AGENCY TASKED WITH SAFEGUARIDNG ITS CITIZEN’S HARD EARNED MONEY TO CHEAT ITS MEMBERS IN THIS MANNER???

EPF’s Response:

Dear friends,

The above email is untrue. The EPF has in fact issued a press statement regarding the issue in October 2008 as attached below. Please forward this to all your cyber friends to clarify the issue.

EPF PAYS DIVIDENDS FOR SAVINGS RESERVED UNDER HOUSING LOAN MONTHLY INSTALMENT WITHDRAWAL

The Employees Provident Fund (EPF) would like to state that members’ savings that have been kept aside in a separate account for withdrawals under Housing Loan Monthly Instalment Withdrawal will continue to receive dividends accordingly. This statement comes in response to recent emails and blogs that state the EPF does not pay dividends on the said amount.

When a member’s application for Housing Loan Monthly Instalment Withdrawal is approved, the total amount of savings that will be taken out from Account 2 for the purpose of this withdrawal will be put aside in another account. The reason for this is to separate the amount from the main account, as funds allocated for this withdrawal cannot be used for other withdrawals from Account 2. In addition, it serves to facilitate as well as monitor the monthly payments.

The EPF would like to reiterate any savings that are still with the EPF will continue to earn dividends annually up until the member reaches the age of 75. Accordingly, the savings that have been kept aside and are committed for withdrawals under Housing Loan Monthly Instalment Withdrawal will continue to receive dividends for the year. The dividends on this amount will be credited into Account 2 after dividend for the year is declared.

In any case, the Housing Loan Monthly Instalment Withdrawal was introduced in January 2008 and as dividend for 2008 is yet to be declared, there is no issue of the EPF not paying dividends on the said amount.

We hope that this statement will put to rest any confusion regarding this issue. The EPF wishes to assure its members that it is committed to protecting members’ interests and enhancing the value of their savings.

(NIK AFFENDI JAAFAR)
Senior Manager, Public Relations
Employees Provident Fund
Date: 30 October 2008