RIP.
But some spare part still can be used, anyone ??
Just drop me a line.
Tuesday, November 25, 2008
My Notebook
This is what happen to my Notebook now.
RIP.
But some spare part still can be used, anyone ??
Just drop me a line.
RIP.
But some spare part still can be used, anyone ??
Just drop me a line.
Monday, November 10, 2008
Barack Obama
Finally, i decided put post Obama's picture on CE's Blog.
I belive he is a great man, and i belive great man can bring good luck to me.
迎来新总统 奥巴马改变美国历史
I belive he is a great man, and i belive great man can bring good luck to me.
迎来新总统 奥巴马改变美国历史
Tuesday, November 4, 2008
SCAM by KWSP
Not too sure how true is this matter ??????
This is another method for KWSP to steal our money!
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 & instalment 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 instalment 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 unti you take to close look at yr KWSP Statement! The withdrawal plan is actually a SCAM!
This is how the KWSP SCAM works.......
Assuming you have RM100,000 in yr A/C II and yr housing> loan's monthly instalment 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 yr A/C II! It appears to be> transfered 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 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 hell in Parliament! (BN MPs won't do it) 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 SAFEGUARDING ITS CITIZEN'S HARD EARNED MONEY TO CHEAT ITS MEMBERS IN THIS MANNER???
This is another method for KWSP to steal our money!
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 & instalment 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 instalment 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 unti you take to close look at yr KWSP Statement! The withdrawal plan is actually a SCAM!
This is how the KWSP SCAM works.......
Assuming you have RM100,000 in yr A/C II and yr housing> loan's monthly instalment 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 yr A/C II! It appears to be> transfered 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 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 hell in Parliament! (BN MPs won't do it) 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 SAFEGUARDING ITS CITIZEN'S HARD EARNED MONEY TO CHEAT ITS MEMBERS IN THIS MANNER???
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