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
The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.
Wednesday, January 19, 2011
new EPF rules
Wednesday, January 12, 2011
Sunday, December 19, 2010
Story of Appreciation
One young academically excellent person went to apply for a managerial position in a big company.
He passed the first interview, the director did the last interview, made the last decision.
The director discovered from the CV, that the youth's academic result is excellent all the way, from the secondary school until the postgraduate research, never has a year he did not score.
The director asked, "Did you obtain any scholarship in school?" and the youth answered "none".
The director asked, " Is it your father pay for your school fees?" the youth answered, my father passed away when I was one year old, it is my mother who paid for my school fees.
The director asked, " Where did your mother worked?" the youth answered, my mother worked as cloth cleaner. The director requested the youth to show his hand, the youth showed a pair of hand that is smooth and perfect to the director.
The director asked, " Did you ever help your mother washed the cloth before?" The youth answered, never, my mother always wanted me to study and read more books, furthermore, my mother can wash cloths faster than me.
The director said, I had a request, when you go back today, go and help to clean your mother's hand, and then see me tomorrow morning.
The youth felt that its chance of landing the job is high, when he went back, he happily wanted to clean his mother's hand, his mother feel strange, happy but mixed with fear, she showed her hand to the kid.
The youth cleaned his mother's hand slowly, his tear drop down as he did that. It is first time he found his mother's hand is so wrinkled, and there are so many bruises in her hand. Some bruises incites pains so strong that shiver her mother's body when cleaned with water.
This is the first time the youth realized and experienced that it is this pair of hand that washed the cloth everyday to earn him the school fees, the bruises in the mother's hand is the price that the mother paid for his graduation and academic excellence and probably his future.
After finishing the cleaning of his mother hand, the youth quietly cleaned all remaining clothes for his mother.
That night, mother and sons talked for a very long time.
Next morning, the youth went to the director's office
The director noticed the tear in the youth's eye, asked: " Can you tell you what have you done and learned yesterday in your house?"
The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes'
The director asked, " please tell me your feeling."
The youth said, Number 1, I knew what is appreciation, without my mother, there would not the successful me today. Number 2, I knew how to work together with my mother, then only I can realize how difficult and tough to get something done. Number 3, I knew the importance and value of family relationship.
The director said, " This is what I am asking, I want to recruit a person that can appreciate the help of other, a person that knew the suffering of others to get thing done, and a person that would not put money as his only goal in life to be my manager. You are hired.
Later on, this young person worked very hard, and received the respect of his subordinates, every employees worked diligently and in a team, the company's result improved tremendously.
A child who has been protected and habitually given whatever he did, he developed "entitlement mentality" and always put himself first. He is ignorance of his parent's effort. When he started work, he assumed every people must listen to him, and when he became a manager, he would never know how suffering his employee and always blame others. For this kind of people, he can have good result, may be successful for a while, but eventually would not feel sense of achievement, he will grumble and full of hatred and fight for more. If we are this kind of protective parent, did we love the kid or destroy the kid?
You can let your kid lived in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experienced it. After a meal, let them washed their plate and bowl together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parent are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learn how to appreciate the effort and experience the difficulty and learn the ability to work with others to get thing done.
Wednesday, December 1, 2010
Sunday, November 14, 2010
Wednesday, October 20, 2010
Dr Lennon?
true that we don't know each other very well but i decided to contact you
after going through your profile. My Names are Dr. Edwin Lenon, I am a
40 years old British citizen working with a top bank as auditor general
and head of computing department. There is an account opened in this bank
in 2000 and since 2003 nobody has operated on this account again.
After going through some old files I discovered that the owner of this
account is a wealthy businessman who died in a plane crash with his wife.
This man died without a [heir] or next of kin hence the money is floating
in his dormant account and if I do not remit this money out of the country
urgently it will be forfeited to the government.
According to the banking laws, every dormant account is closed after 10
years and the entire money is returned to the government as UNCLAIMED
FUND. I don't want the government to claim this money for nothing, I want
us to work together to claim this money. The owner of this account is a
foreign customer, that is why i need a foreigner from another country to
handle this business with me. Please click on the website below for
details of the plane crash:
http://news.bbc.co.uk/2/hi/europe/2640467.stm
I took the courage to look for a reliable and honest person who will be
capable for this important transaction. In order to transfer out
$25,000,000.00 (Twenty Five Million US Dollars).
I will use my position and influence in the bank to effect the legal
approval and onward transfer of this fund into your bank account with
appropriate clearance from foreign payment department.
But you have to promise me that you will not disappear after receiving
this money in your account. I am afraid to do this business with someone
I personally dont know very well, but I have to trust you and believe that
we will use this opportunity to establish good relationship
between my family and your family. We will destroy all documents of
transaction immediately you receive this fund in your account leaving
no trace.
Once you receive the money, we will share it 50% for me, 45% for you while
5% will be for expenses that might have incurred during the process of
transfer. If you accept my proposal, kindly reply me urgently to my
alternative email address ( dredwinlenon0@live.co.uk) and give me below
information's so that i can forward it to the bank for immediate transfer
of the funds into your personal bank account.
Your Full Names
Your Direct Phone Number
Your Nationality
Your Age
Your Occupation
But if you are not interested, kindly delete this email from your computer.
Thanks and God bless.
Sincerely yours,
Dr. Edwin Lenon
Email: dredwinlenon0@live.co.uk
Friday, October 15, 2010
Pakcik Kayoo!!!!!
Yahoooo.. pakcik kayo... TQ Bill Gates! TQ.
Tak aku tau pulak ko ada email add aku..
