Topics in this digest:
1. [Reminder] CARI WANG PERKAHWINAN? @ Tue Mar 18, 2008 ()
From: Google Calendar
2. [Reminder] DAPAT $$$ BAGAI PELURU >>> TEKNIK TERBARU @ Tue Mar 18 -
From: Google Calendar
3. [Reminder] 18SX ... UTK DEWASA SAHAJA @ Mon Mar 17 5:30pm - 6:30pm
From: Google Calendar
4. WILL WRITING SERVICES (WASIAT)
From: Effa Syahira Bakri
Messages
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1. [Reminder] CARI WANG PERKAHWINAN? @ Tue Mar 18, 2008 ()
Posted by: "Google Calendar" pro_idea04@yahoo.com pro_idea04
Date: Sun Mar 16, 2008 2:01 am ((PDT))
emas_melayu@yahoogroups.com, this is a reminder for
Title: CARI WANG PERKAHWINAN?
Time: Tue Mar 18, 2008 (Timezone: Kuala Lumpur)
Where: MALAYSIA
Calendar:
Description: Salam bahagia.
Jika anda mengganggap email ini mengganggu, sila DELETE sahaja.....TAPI nanti dulu. DI SINI ADA CARA MENGATASI MASALAH WANG PERKAHWINAN ANDA.
http://www.maskahwin.com/index.php?ref=proidea
Alam perkahwinan memang saat yang dinanti oleh setiap insan. Namun bila saatnya hampir tiba, berbagai masalah timbul terutamanya MASALAH KEWANGAN.
Memperkenalkan ebook: MAS KAHWIN YANG HILANG.
http://www.maskahwin.com/index.php?ref=proidea
Ebook ini mengupas RAHSIA MENGUMPUL & MENJANA WANG UNTUK PERKAHWINAN. Sesuai untuk BAKAL PENGANTIN atau sesiapa sahaja.
Hadiahkan ebook ini kepada kekasih anda.......kekasih anda pasti bertambah sayang kepada anda.
Maklumat percuma layari:
http://www.maskahwin.com/index.php?ref=proidea
TERIMA KASIH.
Ikhlas,
Pro Idea,
Rakan Internet Anda. Jika ada masa, sila jengok website di bawah.
http://gempaq.angelfire.com/
P/S: Jika anda ingin menambah pendapatan dengan bermain FOREX di depan komputer, sila layari: http://www.kuasaforex.com/index.php?ref=proidea
Jangan bimbang jika anda tidak memahami cara urusniaga forex kerana ebook KUASA FOREX menerangkannya secara terperinci. Langkah demi langkah. Ada ROBOT yang membantu anda.
You are receiving this courtesy email at the account emas_melayu@yahoogroups.com because you are an attendee of this event.
To stop receiving future notifications for this event, decline this event. Alternatively you can sign up for a Google Calendar account at http://www.google.com/calendar/ and control your notification settings for your entire calendar.
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2. [Reminder] DAPAT $$$ BAGAI PELURU >>> TEKNIK TERBARU @ Tue Mar 18 -
Posted by: "Google Calendar" pro_idea04@yahoo.com pro_idea04
Date: Sun Mar 16, 2008 2:03 am ((PDT))
emas_melayu@yahoogroups.com, this is a reminder for
Title: DAPAT $$$ BAGAI PELURU >>> TEKNIK TERBARU
Time: Tue Mar 18 - Wed Mar 19, 2008 (Timezone: Kuala Lumpur)
Where: WORLD
Calendar:
Description: Salam bahagia.
Jika anda mengganggap email ini mengganggu, sila DELETE sahaja.....TAPI nanti dulu. DI SINI LUBUK DUIT SEBENAR..... DI HADAPAN KOMPUTER ANDA.
http://www.kuasaforex.com/index.php?ref=proidea
Memperkenalkan ebook: KUASA FOREX...BAGAIMANA SAYA MENJANA RM$10,000 SEHARI MELALUI FOREX.
http://www.kuasaforex.com/index.php?ref=proidea
Forex sungguh hebat kuasanya dalam menjana pendapatan yang sebelum ini tidak terfikir oleh kita. Dagangan forex dibuka 24 jam sehari tanpa henti dan jumlah dagangan pula melebihi USD2.5 trillion setiap hari - suatu jumlah yang cukup besar untuk mengkayakan semua orang termasuk anda dan saya.
Saya ada PANDUAN untuk mengambil RM10,000 setiap hari dari LUBOK DUIT ini.
Dengan kecanggihan internet, urusniaga forex menjadi sangat mudah. Anda hanya perlu komputer & internet saja. Dengan hanya membuat beberapa "click" sahaja, kita mampu menjana pendapatan bulanan yang jauh melebihi pendapatan tahunan.
http://www.kuasaforex.com/index.php?ref=proidea
WOW!!! Inilah kuasa yang ada pada forex. Work smart,not hard.
FIKIRKAN BOLEH !! Anda tentu boleh... Semua teknik yang menjana pendapatan forex akan dibongkarkan habis-habisan di dalam ebook KuasaForex. Milikilah kunci kekayaan yang hebat. Jangan menafikan hak anda menjadi kaya... Manalah tahu, mungkin kekayaan anda ada di forex. Hanya menunggu anda mengambilnya saja.
Saya boleh buktikan menghasilkan RM10,000.00 sehari.
Maklumat percuma layari:
http://www.kuasaforex.com/index.php?ref=proidea
TERIMA KASIH.
Ikhlas,
Pro Idea,
Rakan Internet Anda. Jika ada masa, sila jengok website di bawah.
http://gempaq.angelfire.com/
P/S: Jangan bimbang jika anda tidak memahami cara urusniaga forex kerana ebook KUASA FOREX menerangkannya secara terperinci. Langkah demi langkah. Ada ROBOT yang membantu anda.
You are receiving this courtesy email at the account emas_melayu@yahoogroups.com because you are an attendee of this event.
To stop receiving future notifications for this event, decline this event. Alternatively you can sign up for a Google Calendar account at http://www.google.com/calendar/ and control your notification settings for your entire calendar.
Messages in this topic (1)
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3. [Reminder] 18SX ... UTK DEWASA SAHAJA @ Mon Mar 17 5:30pm - 6:30pm
Posted by: "Google Calendar" pro_idea04@yahoo.com pro_idea04
Date: Sun Mar 16, 2008 2:31 am ((PDT))
emas_melayu@yahoogroups.com, this is a reminder for
Title: 18SX ... UTK DEWASA SAHAJA
Time: Mon Mar 17 5:30pm - 6:30pm (Timezone: Kuala Lumpur)
Calendar:
Description: Salam bahagia.
Website ini sesuai untuk orang dewasa sahaja.
Jika anda berusia 18 tahun ke atas, sila klik
http://kasih18sx.angelfire.com
Jika anda tidak mahu, sila delete sahaja email ini.
Kerjasama anda amat dihargai. Terima kasih.
http://kasih18sx.angelfire.com
You are receiving this courtesy email at the account emas_melayu@yahoogroups.com because you are an attendee of this event.
To stop receiving future notifications for this event, decline this event. Alternatively you can sign up for a Google Calendar account at http://www.google.com/calendar/ and control your notification settings for your entire calendar.
Messages in this topic (1)
________________________________________________________________________
________________________________________________________________________
4. WILL WRITING SERVICES (WASIAT)
Posted by: "Effa Syahira Bakri" effa_syahira@yahoo.com effa_syahira
Date: Sun Mar 16, 2008 4:20 am ((PDT))
WILL WRITING SERVICES (WASIAT)
What is a Will?
A Will is a declaration made by a person inthe form prescribed by law as to how his/her property is to be distributed whenhe/she dies. A Will only takes effect upon the death of the testator andtherefore it is capable of dealing with property acquired after it has beenmade.
In Malaysia alone, that totalof unclaimed cash and non-cash assets is now estimated at about RM40 billion.This was alone contributed by those deceased without a Will.
The advantages of Will
You can
provide for your beneficiaries in the manner you prefer instead of letting
the laws decide.Expedite
Legal Process Without a Will, as security for dueadministration of the estate two sureties are required. The security shall bein the form of a bond in the amount equivalent to the gross value of estate(S35 Probate and Administration Act 1959). With a Will there will be no suchdelay.
You can
choose your choice of guardian. You can
choose your choice of executor and trustees. Some that you trust that
he/she can carry out your wishes diligently.
Act Now & Take care
of your Loved One's
Now you can create a legally binding Will. Kindly consult a Willwriter to write your Will, you may contact our authorized Will writer :
BAKRICHE MUHAMAD (Hp : 019-2366648)
WillWriting Consultant for Amanah Raya Berhad
For reliable & trusted advice, let usvisit you.
FREQUENTLY ASKEDQUESTIONS
Q : What is a Will ?
A : A Will is adeclaration made by a testator, in the form prescribed by law, as to how hisproperty is to be distributed when he dies.
If the person making a Will is a man, he is called the testator ; and if awoman, a testatrix.
The Will authorizes an executor (a man) or an executrix (a woman) to collectassets, pay off debts and divide the property according to the wishes of thedeceased as stated in the Will.
Q : Who can make a Will ?
A : Anyone whom haveobtained the legal age of their country can make a Will. You can even writeyour own Will and you need not go to a lawyer unless your affairs are verycomplicated.
The person making a Will is referred as to Testator/Testatrix (male/female).
General Requirement:-
·
Sound mind
·
If the testator is under drug influence (inmedications/hospitalized), It advised to obtain an letter from the medicalpractitioner stating that is testator is sound of mind and not in influence ofany medications.
·
Muslim estate distribution are governed by Syariah Law.
Requirement for
residents in Malaysia:-
1.
Attained the age of 18 for Peninsular Malaysia and Sarawak (Section 4 Wills Act1959 )
2.
Attained the age of 21 for Sabah (Section 4 WillsOrdinance 1953 )
3.
Sound mind (Section 3 Wills Act 1959)
Q : Do you need a lawyer to make your Will ?
A : Anyone can make aWill. You can write your own Will. And you need not go to a lawyer unless youraffairs are very complicated.
Q : What would happen if there is no Will ?
A : Without a Will, aLetter of Administration (LA) is required and must be granted before the Courtcould distribute the assets of the deceased. The LA usually takes time andincurs high legal costs. In the meantime , the assets will be frozen. Even themoney of the deceased in the bank account cannot be touched by those who reallyneed it, for example, to send children for education or for loan repayment.Hence, this will cause more stress and burden.
Q : What is the benefits of Writing Will ?
A : Toensure that your hard-earned assets go to the people you want to benefit in themanner that you wish. Without a Will, the Law will decide on who shall inherityour assets.
A proper Will will facilitate the legal process. Thus, it relieves your lovedones from stress and burden, i.e. by reducing unnecessary complex legal battlesand legal / administrative cost.
Without a Will, the assets of the deceased will be distributed as the Courtdictates under Distribution Act. This might cause delay, legal conflicts,family disputes, addition cost and stress.
Q : When does a Will take effect ?
A : A Will takes effect when a person dies. The Will is openedafter a person¢s death.
Q : What properties cannot be dealt with in a Will ?
A : 1. Insurance/Takafulpolicies under Section 166 Insurance Act 1996
2. Insurance/Takaful policies effected under Civil Law Act Section 23 (1956).
3. EPF where nominee/s has/have been named.
4. Properties held under joint ownership. e.g. joint bank account where themandate gives the right of survivorship.
5. Native properties.
6. Other Ancestral properties (harta pusaka).
Q : Does Divorce affect a Will ?
A : Divorce does notrevoke a Will. However, if you are divorced or separated, you should considermaking a new Will.
Q : Does EPF operate outside the Will ?
A : Yes, it does. Underthe Employees Provident Fund (EPF) Act, you may nominate where your money goes uponyour death. So if you have made a nomination under the EPF Act, your nominee(s)will be entitled to the fund in your EPF Account, regardless of what your Willstates.
If you have not made a nomination, your EPF fund will be distributed accordingto your Will, if any, or according to the intestacy laws.
Marriage revokes a nomination. So if you get married after making a nomination,it is automatically cancelled. Make a new nomination after your marriage.
Act Now & Take care of your Loved
One's
Now you can create a legally binding Will. Kindly consult a Willwriter to write your Will, you may contact our authorized Will writer :
BAKRICHE MUHAMAD (Hp : 019-2366648)
WillWriting Consultant for Amanah Raya Berhad
For reliable & trusted advice, let usvisit you.
____________________________________________________________________________________
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