Monday, July 17, 2017

泰火車軌道測硬幣耐壓度 3萬網民要美籍網紅滾蛋

網民要他滾出泰國

Nate個人面子書



Nate把硬幣放在火車軌道上測試耐壓度


近日,久居泰國的美國籍網紅Nate,把放硬幣讓火車碾看哪國的硬幣最耐壓的事件持續發酵,泰國網民甚至在網上發起了將Nate驅逐出境的投票,目前已有超過3萬人支持。

Nate在YouTube上開設賬號MY MATE NATE,常常發佈一些惡搞視頻,包括用1600枚士丹硬幣去7-11買東西、把貓綁在氣球上、測試泰國人的英語水平等一些涉嫌違反泰國法律和不尊重泰國人的視頻。泰國網民認為Nate作為一名網紅,發佈的視頻內容容易對青少年造成不良影響,對社會安全造成一定威脅,因此希望有關部門取消其簽證驅逐出境。


對於Nate把硬幣放在火車軌道上測試耐壓度一事,泰國國家鐵路局將於周日(16日)對其進行傳喚,因為Nate的行為涉嫌違法泰國相關法律規定。

Nate知道闖禍後,已將視頻刪除。

Nate日前在YouTube上傳貓蠍大戰,吸引超過160萬人次瀏覽,他在影片中為貓咪和蠍子的動作配上打鬥聲,看見貓咪被攻擊還大笑,最後宣布蠍子是這次打鬥的贏家。這段影片已經激怒了泰國愛貓協會,他們將會提告,希望給予Nate嚴厲制裁。

Thursday, July 13, 2017

上网申请领取EPF来付房贷只需2天

雇员公积金局宣布,该局成功提升了电子提款服务(e-pengeluaran),不仅让客户可以提出网上申请,直接将款项汇入客户的银行户头,以申领公积金支付房屋贷款为例,过去需要9天时间来处理,如今通过电子提款服务则大幅度缩减至2天。

过去的提款申请需要9天时间来处理,从提出银行账单开始,直到申请获批准为止;然而,若是使用电子提款服务,这项服务则只需2天就能完成,会员就可以提出公积金款项来支付房屋贷款。

这项改进让会员节省了时间,一旦获得银行批准,会员只需到公积金局办事处核对指纹资料即可,而一切与银行往来的纪录也将电子化,一般上银行只需2天就可做出回覆。

另外,会员也可通过电子提款便利提款,以支付教育费,这项服务是从2015年12月开始的,意味着会员除了可提款缴付房屋贷款,也可充作教育费。

除了提款,会员也可善用网络便利查询户头款项,这是为了顺应时代所需而做出的改变。

截止去年12月31日,该局共接获26万4000宗电子提款申请,其中13万2772宗申请是用来缴付房屋贷款,13万613宗申请则是用来支付教育费;公积金局批准了其中12万411宗申请,3万3364宗申请是用来支付房贷,8万7612宗申请则是用来支付教育费。

Do the EPF 'Nomination' Thing Before It's Too Late

A new policy has been introduced to make the process of nominating beneficiaries easier.

Latest statistics show that there's still a huge chunk of Malaysians that have yet to make EPF nominations

As it stands, about 10.6 million people or 73% of Employees Provident Fund (EPF) members have yet to make a nomination, which means that they have no beneficiary for their accounts and savings in the event of their death.

The EPF Board has yet to make nomination a compulsory matter but all members have been urged to get it done as soon as possible.



Why should a member make a nomination?

In the case of a Muslim member, the person(s) named in the EPF Nomination will receive the savings of the deceased member as administrator (Wasi), who will bear the responsibility to distribute the savings in accordance with the Faraid Law. Faraid Law refers to the Islamic laws concerning inheritance and distribution.

Meanwhile, a nomination would allow Non-Muslim members to name the actual rightful beneficiary or beneficiaries of their savings.

Members are encouraged to make a nomination to facilitate and expedite the process of transferring the EPF savings to the nominee upon the death of an EPF member. If a member fails to make a nomination for his or her EPF savings, the beneficiary will have to go through a lengthy and tedious process of claiming the savings from EPF.

According to EPF, the savings of a deceased will still be kept under the deceased member's name until a next-of-kin claims the savings through the current Death Withdrawal and 'No Nomination' process and procedures.

If a deceased member fails to make a nomination, the family members may need to fork out a large sum of money just to claim the hard-earned savings

It is still possible to apply for a Death Withdrawal if a deceased member did not make a nomination, but, the EPF Board would require the next-of-kin to produce supporting documents such as legal papers which could be costly and time-consuming.

"I have come across cases where EPF nominations were not made and it became a nightmare for their families who had to undergo a lengthy legal process to get the money out," Federation of Malaysian Consumers Associations secretary-general Datuk Paul Selvaraj was quoted as saying by The Star Online.


According to the EPF Act 1991, leaving a written will by naming the beneficiary of a member's EPF savings will not be taken into consideration

Only an official nomination submitted to the EPF branch will be taken into account and processed accordingly to be kept in EPF's records.

To make matters easier, the EPF board has introduced a new procedure to allow members to make a nomination without the need of a witness. Previously, a member needed a witness present with them at the EPF branch to submit a nomination.

Starting from 1 January 2017, a member will only need to provide the required documentation as proof to make a nomination instead of having a witness with them.



EFP also offers a one-off death benefit worth RM2,500 to a deceased member's next-of-kin


As a gesture of compassion, the EPF Board offers RM2,500 to any of the deceased member's dependents (widow, widower, children or mother/father).

Here are some conditions to take note of when applying for the death benefit:
  1. The member must be a Malaysian citizen (including Permanent Resident) OR Non-Malaysian members who registered with the EPF before 1 August 1998
  2. The member passed away before reaching the age of 55
  3. Application must be made within six (6) months of the member's date of death 
  4. The member still has savings when the withdrawal application is made

Back in 2015, it was revealed that money allocated, which comes from EPF's investment earnings, would be kept for annual dividend distribution to all members in the event that a next-of-kin is not qualified to claim the death benefit.





How do you make a nomination?

A nomination can be made in two simple steps:
  1. Fill in the KWSP 4 Form accordingly.
  2. Submit the form personally to the nearest EPF office. 
or just go to the nearest KWSP / EPF office and get the form there and fill up on the spot


What you need to bring:
  1. A copy of your own MyKAD **a must, no photostat copy needed
  2. A copy of identification document for each nominee such as MyKad, or Birth Certificate.
  3. The completed Nomination Application Form (KWSP 4). 
just fill up the nomination column (FULL NAME and ID NUMBERS, PERCENTAGE) & make sure there's no error

If you've already made a nomination, make sure that the details are accurate and updated by checking at:
  1. The counter at any EPF branch
  2. The EPF's website using your EPF i-Akaun
For more information, visit the EPF website to learn more about Nomination and Death Withdrawal.


If you've not made a nomination yet, do it immediately! Don't forget to share this with your family and friends.


Learn more about what you can do with your EPF savings here:
Settling PTPTN Debts And 6 Other Things You Can Do With Your EPF Money
This is how you can make pre-retirement withdrawals as an EPF member.