Sebelumnya TAHNIAH kepada pasukan JANG OH JANG - RUSA yang telah pun berjaya merangkul PIALA MALAYSIA kali ini. AKAN BERSAMBUNG...
Monday, November 09, 2009
PIALA MALAYSIA
Sebelumnya TAHNIAH kepada pasukan JANG OH JANG - RUSA yang telah pun berjaya merangkul PIALA MALAYSIA kali ini. AKAN BERSAMBUNG...
Shocking!!!
This message has been circulated around via email and I got this from one of my friend. If this really happen then it is unbelievable as we all given our trust to KWSP as Government agency to take care of our hard earning money and we do trusted them.
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.
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.
Friday, November 06, 2009
Urmeric extract can kill cancer cells - Info
Chicago:
An extract found in the bright yellow curry spice turmeric can kill off cancer cells, scientists have found. Researchers at the Cork Cancer Research Centre in Ireland treated oesophageal cancer cells with curcumin – a chemical found in the spice which gives curry its distinctive yellow colour – and found it started to kill cancer cells with 24 hours.
The cells also began to digest themselves, they said in a study published in the British Journal of Cancer. Previous scientific studies have suggested curcumin can suppress tumours, and that people who eat lots of curry may be less prone to the disease, although curcumin loses its anti-cancer attributes quickly when ingested.
An extract found in the bright yellow curry spice turmeric can kill off cancer cells, scientists have found. Researchers at the Cork Cancer Research Centre in Ireland treated oesophageal cancer cells with curcumin – a chemical found in the spice which gives curry its distinctive yellow colour – and found it started to kill cancer cells with 24 hours.
The cells also began to digest themselves, they said in a study published in the British Journal of Cancer. Previous scientific studies have suggested curcumin can suppress tumours, and that people who eat lots of curry may be less prone to the disease, although curcumin loses its anti-cancer attributes quickly when ingested.
Sunday, November 01, 2009
NOTE TO GOD.
What’s a beautiful n meaningful lyric?
If I wrote a note to God
I would speak what's in my soul
I'd ask for all the hate to be swept away
For love to overflow
If I wrote a note to God
I'd pour my heart out on each page
I'd ask for war to end
and for peace to mend this world
I'd say
I'd say
I'd say
Give us the strength to make it through
Help us find love, cause love is overdue
And it seems like so much is going wrong
On this road we're on
If I wrote a note to God
I'd say please help us find a way
End all the bitterness, put some tenderness
in our hearts
I'd say
I'd say
I'd say
Give us the strength to make it through
Help us find love, cause love is overdue
And it looks like we haven't got a clue
Need some help from you
Grant us the faith to carry on
Give us hope when it seems all hope is gone
Cause it seems like so much is going wrong
On this road we're on
No
No
We can't do it on our own
So
So
(Give us the strength to make it through
Help us find love, cause love is overdue)
And it looks like we haven't got a clue
Need some help
Grant us the faith to carry on
Give us hope when it seems all hope is gone
Cause it seems like so much is going wrong
On this road we're on
No
No
No) We can't do it on our own
(So)
So
If I wrote a note to God
If I wrote a note to God
I would speak what's in my soul
I'd ask for all the hate to be swept away
For love to overflow
If I wrote a note to God
I'd pour my heart out on each page
I'd ask for war to end
and for peace to mend this world
I'd say
I'd say
I'd say
Give us the strength to make it through
Help us find love, cause love is overdue
And it seems like so much is going wrong
On this road we're on
If I wrote a note to God
I'd say please help us find a way
End all the bitterness, put some tenderness
in our hearts
I'd say
I'd say
I'd say
Give us the strength to make it through
Help us find love, cause love is overdue
And it looks like we haven't got a clue
Need some help from you
Grant us the faith to carry on
Give us hope when it seems all hope is gone
Cause it seems like so much is going wrong
On this road we're on
No
No
We can't do it on our own
So
So
(Give us the strength to make it through
Help us find love, cause love is overdue)
And it looks like we haven't got a clue
Need some help
Grant us the faith to carry on
Give us hope when it seems all hope is gone
Cause it seems like so much is going wrong
On this road we're on
No
No
No) We can't do it on our own
(So)
So
If I wrote a note to God
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