Change... It's not Hard 2 do .....

Its been long time I have not write anything here, its not because I don’t want to write, its just because the people who support certain politic party is getting much racist and ‘munafiq’. Just really hurt when someone say bad thing about other race. And my race is supreme than your race. Those entire allegations will make our country going backward.

Another things is going bad are about religion. We have less than 70% of the population is Muslims. If you compare our neighbor Indonesia, has more than 90% of the population are Muslims. Indonesia is not like Malaysia in many ways. Indonesians don’t insult each other religion or anybody claim theirs is more supremacy.

In fact they lived more harmony than us. I know because I stay 8 years there. I embraced Islam there. Islam there is more beautiful over there in many ways. If I was in Malaysia all the while, I’m sure I won’t become a Muslim. Maybe I will be scared and confuse like most of my non Muslim friends.

Lot of you will say, if you like Indonesia so much, why not go and stay there. Well if I think of doing that, it’s the same as running away from problems rather than solving it. People in Malaysia need to change their mindset. If this race and religion still a problem here, I’m pretty sure no investor will come here and the remaining foreign investor here will go away to.

We can solve this by doing an Act or rule that prevent people talking such things like the Act in Britain. We should also abolish the entire old act, such as sedition act. We must educate our children about racial harmony starting from the kindergarten days.

Now the fact is Indonesia have a better economic and FDI then Malaysia. Indonesia will become economic power in 10 – 15 years time even though they have lots of natural disasters. All this because they are more harmony and peaceful country. Just think if you are investor where you will go if you have to choose between Indonesia and Malaysia. Come on la, even Air Asia already move there. A Malaysian giant company. What a fucking shame to our government, it’s like slap in the face.

Change is what we need. The people thinking have to change. And the most important of all we need to change the government. Change man, please change. Tolong ubah!!!!
Well I’m not a supporter of Pakatan Rakyat (PR) but what choice I have rather than I give my vote to them.  If Barisan Nasional (BN) changes, of course I will vote them. But seem like they only saying to change, but still not doing it. They don’t have strong leaders. Just see our Merdeka Day slogan, song and logo. All are not good. You know what I mean.

Just pray for the best. And pray for the change. But whatever it is ….. Life goes on …..

There goes our FREEDOM of choice and Intellectual

Controversial book seized by Islamic authorities

Enforcement officers from the Federal Territory Islamic Religious Department (Jawi) last night confiscated seven copies of the book, ‘Allah Liberty & Love - Courage To Reconcile Faith & Freedom’ by controversial author, Irshad Manji, as the content is deemed to be contrary to Islamic teachings.

Chief senior assistant director of Jawi's enforcement division, Wan Jaafar Wan Ahmad said the raid, involving eight officers, was conducted at 8.45pm on a bookshop in a well-known shopping complex in Bangsar.

"We received information that 500 copies of the translated edition of the book have been printed and available in the market nationwide, and we are still tracking them," he told reporters.

The Uganda-born Irshad, who has Canadian citizenship, has also created controversy by supporting the lesbian, gay, bisexual and transexual movement.

Wan Jaafar said following the seizure, the case would be investigated under the Federal Territory Syariah Offences Act for publishing copies of a book that ran contrary to Islamic teachings and violating the sanctity of Islam.

Irshad was in Malaysia last week to launch the book.

- Bernama

Federal Territory Islamic Religious Department (Jawi) also should ban Elton John songs, George Michael, Adam Lambert, Tracy Chapman and many more ... Jawi also should ban internet too because they a lot of this LGBT stuff like book, article, movie and pictures are publicly can be viewed.

Ok ok ok ..... just go back to stone age .... ha ha ha .....
What happen to "kalo nak berilmu atau belajar, belajarlah sampai ke negeri China" ....  I think i will go to China to buy this book and read there .....

Life goes on ..... ha ha ha .....

Manji scorches fatwa council's anti-Bersih edict

From Malaysiakini - please read, she thinks as i think, she thinks future not past.

Hazlan Zakaria 8:13AM May 19, 2012 from  Malaysiakini.com

Controversial Uganda-born Canadian author Irshad Manji hit out at certain muftis and clerics, including those in Malaysia's National Fatwa Council, which she said are trying to impose their own mores and dogma upon the populace.

"Muftis, imams and clerics of various stripes love to tell us what we are to believe; in the course of telling us this, they also want us to adopt a particular identity.

"What they will never tell us is that they expect us to adopt their identity," said the 44-year-old New York University (NYU) professor in an exclusive interview with Malaysiakini in Kuala Lumpur yesterday.

She was responding to a question on the recent National Fatwa Council edict forbidding Muslims from taking part in certain demonstrations, particularly targeting the Bersih 3.0 pro-electoral reform rally.

Manji argued that "good believers" cannot be expected to uncritically submit to the religious scholars without question as the scholars themselves too are humans and neither perfect nor divine as Allah is.

"Here's some breaking news for these muftis. You're not God. There is only one God and that job is not vacant.

"Put all your fatwas out as you wish, but your fatwas do not hold divine authority, and neither do you," said the successful author and film-maker.

Manji believes that The Quran - which she posits is the only divine document and sole guiding light of the faith - instead encourages Muslims not only to question but to seek out the truth on their own and think for themselves.

Such, she claimed, was the tradition prevalent in the heyday of Islamic civilisation until the slide into our current situation where mullahs and ulamas claim to know everything and dictate all to a public which is expected to obey without question.

'They don't have humility'

"I think that if more and more Muslims understand that there is a difference between the ulama and Allah - just as I realised at the age of 14 that there is a difference between the madrasah and Allah - we would be more willing to give ourselves the permission to do exactly what the Quran asks of us, which is to think for ourselves in order to deepen our faith and realise the humility that these fatwa-flinging mullah clearly don't have," argued the feisty Islamic reformist.

Earlier this month, the National Fatwa Council declared that it is haram (not permissible) for Muslims to participate in any gathering or demonstration that is unproductive and is against the law or causes disturbances in the country.

Its chairperson Abdul Shukor Husin said the council viewed seriously this issue as some Muslims had previously resorted to rioting during street demonstrations.

The council's decision, however, was met with stringent criticism from PAS spiritual leader Nik Abdul Aziz Nik Mat, who lambasted that the body for not looking at the issue clearly, while others quoted influential Egyptian Islamic theologian Yusuf al Qaradawi, who maintains that rallies or actions to fight against tyranny is encouraged in Islam.

Manji is in Malaysia to launch the Malay translation of her latest book ‘Allah, Liberty & Love'. However, her events and several speaking engagements had to be cancelled because of "security concerns", protest notes and alleged "pressure" from the authorities.

PAS - which ironically agree with Manji's criticism of the fatwa council on Bersih 3.0 - and several conservative Muslim NGOs have spoken out against her presence in Malaysia, claiming that her very liberal stance on Islam is dangerous to the faith of local Muslims.

Her first book, the international bestseller ‘The Trouble with Islam Today: A Muslim's Call for Reform in Her Faith' has been banned in Malaysia.
As evident in her books and an Emmy-nominated PBS film, ‘Faith Without Fear', her work mostly challenges accepted notions in Islam, in the belief that education and the freedom to think is paramount and not the indoctrination, which she believes is commonly practised in most religious teachings.

Medical Insurance @ Medical Card

Source : http://www.firstnstd.com/101229%20medins.html

On the subject of medical insurance, to be fair, most people realize that having medical insurance is important because medical treatment can be costly if one were to seek treatment at private hospitals. In Malaysia, we are still very fortunate because we can still relatively easily seek treatment at government or public hospitals which are heavily subsidized – unlike people in developed countries such as in the U.S., U.K., Europe, Australia, Japan, etc.  In developed countries (which we as a country aim to attain by year 2020), whilst public funded medical facilities are available, they are not so prevalent and thus are less easily accessible for those living in areas where there are none.  Most people in these countries will therefore have to rely on getting treatment at private medical facilities, but because of the high costs involved most will have no access to treatment unless they are covered by some form of medical insurance. 

Luckily for us in Malaysia, we are still able to have access to treatment at very low cost at government medical facilities.  The downside however is having to contend with the huge crowds seeking treatment at Government hospitals and the consequently long waiting time.  This is unavoidable simply because government facilities are affordable, and therefore most people, rich and poor alike, will want to seek treatment there – the rich if they didn’t mind the wait, the poor because they had no choice.

To give an example of this at our government hospitals, a few years back, there was a case of a 76 year old man who had a fall and fractured his pelvis and thigh bone (femur). Being a government pensioner, he enjoyed (almost) free medical treatment at government hospitals.  (Note that even for non-civil servants the costs of medical treatment are just nominal and still very affordable to most.)  Naturally, the man was admitted into a government hospital, a well known one with excellent facilities.  The doctor who examined him ordered surgery to repair the fractures.  In the meantime traction was administered for his fractured leg in order to prevent further injury.  An appointment for surgery was set for about two weeks or so depending on availability.  This was unavoidable simply because with the limited facilitiesavailable doctors had to ensure that those with more critical or life threatening injuries were given preference for surgery.  Now having to lie on a hospital bed (thankfully this hospital was air-conditioned) with one leg immobilized by traction and with as little movement as possible permitted for two whole weeks can be awfully agonizing!  Needless to say, if one can’t afford to seek treatment and surgery elsewhere, there will be no choice but to continue in that state and wait the two weeks or so out.

Fortunately for the man, his family could afford the additional costs of about RM20,000 to seek treatment at a private medical facility, and off he was transferred to one close by.  Surgery was carried out the day after and just about a week later, he was discharged from the private hospital.  

This is but an example of a relatively minor problem which involved about RM20,000 in treatment costs.  What if it were something more serious and the costs had been higher?  Say, RM50,000 or RM100,000 or even RM200,000?  With the double-digit rate of inflation in costs of medical treatment, it would not be surprising at all if a procedure which today costs RM50,000 may very well cost RM209,000 in 15 years’ time (just using an inflation rate of 10% - statistics for Malaysia from the World Health Organization website show the rate to be higher).  See the table on current costs of certain medical procedures – note however, these costs do not take into consideration costs of hospitalization, ICU, etc. yet.

If it costs RM200,000 for a treatment that we need, do we have the financial resources to pay for it?  If not, what are our alternatives?

Fortunately, for those who are in employment generally would enjoy some form of coverage from their employers.  However prudence dictates that we ought to find out what and how much are we covered for exactly.  In fact, not too long ago, a very senior executive of a very large public listed conglomerate discovered to his own dismay that his medical coverage entitlement had a limit of just RM30,000 per annum – after he had undergone a heart bypass operation which had cost RM65,000.  The poor chap had to pay the balance (of RM35,000) from his own pockets – what a way to learn.  

To add salt to the wound, the man was retiring the following year.  Double jeopardy for him in that he now had RM35,000 less in retirement funds as he had used part of his retirement funds for the surgery, and secondly, the prospect of him qualifying for medical insurance upon his retirement has now become pretty slim.  Even if he did qualify, the premiums would have been substantially higher because of his age and health condition, and besides that it would have been very likely that his coverage would have a permanent exclusion on treatment for heart related diseases which is now a pre-existing condition.

Suffice it to say therefore that people who are currently covered under their employer’s Group Hospitalisation and Surgical Policy will still need to consider the following:

• As mentioned above, we’d need to find out what and how much are we covered for – to make sure the coverage is adequate, and whether it is in our employment contract that the employer will pay for any medical expense above the insured amounts. 
• Getting a medical insurance policy after retirement may perhaps be one of the worst approaches simply because we might not qualify for medical insurance when we retire – there have been lots of such cases.  Secondly, even if we are of excellent health, the premiums will be very high, and surely, we will not want to incur such high expenses when we are retired.
• If I were to get a separate medical policy of my own, wouldn’t it be a waste of my money because surely I can’t claim from my employer’s as well as from my own medical policies.  While that is correct, today there are medical insurance policies which are designed to have high deductibles (that is, the first amount of the expense that we will pay for ourselves) and therefore have much lower premiums.  The large deductible will mean that the first layer of expense can be covered by our employer’s policy leaving only the amounts exceeding the limit to be claimed under our own policy.  Further, some of such medical policies even allow for the deductibles to be removed when we retire – i.e. the insurer guarantees that we will continue to be insured when we retire.
• Determining how much is adequate for a medical insurance policy can be pretty tricky.  A sum of RM100,000 might be adequate today for many types of medical treatments, but would the same be adequate in the years to come?  There are medical insurance plans today that have a benefit called “annual limit waiver” which effectively allows one to have access to the high lifetime limits, usually 10x the annual limits.  For instance, if one had a medical insurance plan that had an annual limit of RM50,000, the lifetime limit would be RM500,000. In this case, therefore, if the person had a medical treatment that costs., say RM250,000, he would still be able to claim for these expenses as they would still be below the lifetime limit.  Very useful benefit to have, but usually the premium for this benefit can be very high especially for those in the older age category.

Now, in general, whether we are covered by our employers or not, we need to ask ourselves:

• Am I in the financial position to self-insure?  To answer this question, we can ask ourselves; have I set aside a reasonable amount of money to cater for my medical expenses – say, have a sum of at least RM100,000 today not to be used for anything else?
• If I can’t even afford the insurance premium today, what will I do if I am faced with a huge medical bill tomorrow?  This is of course a tough question.  Some will just throw their hands in the air and say; well, that’s just my fate.  Only God can help….  true, but remember, God helps those who help themselves.

Anyone need a Medical Insurance @ Medical Card, please contact me at ;

Muhammad Mageswaran - 012-590289

Email : mageswaran@mzpartners.com.my

We have the Best Medical Card in Malaysia, you should own one, because you deserves the Best Medical Services and Specialist Doctor.

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What a "F__K" ..... Election Commission

What a f__k he is talking about.... (please read below) ... They have a Tun Dr Mahathir sindrom that called 'Melayu mudah lupa'. Ec Chief and his deputy can't remember when they become UMNO member..... ha ha ha ... its a joke of a day .

One more thing he say are 'I am a government servant' ... The government of today are Barisan Nasional .. So he is Barisan Nasional man..

So u pikirlah sendiri......

Malaysian are not stupid anymore .... but you are .... Thank you for this stupid remark .... its mean his mouth move faster than his brains....

Whatever it is .. life goes on ....

_________________________________________________________

EC chief, deputy admit they ‘could have been’ Umno members

NEWS/COMMENTARIES By Shazwan Mustafa Kamal - April 27, 2012 – Malaysian Insider

KUALA LUMPUR, April 27 — Both the Election Commission (EC) chairman and deputy chairman have admitted that they could have been Umno members a long time ago, but stressed that it did not affect their ability to carry out their professional duties.

Chairman Tan Sri Abdul Aziz Mohd Yusof and his deputy Datuk Wan Ahmad Wan Omar took great pains to point out that it (being Umno members) happened a long time ago, and that they were inactive members, having not paid any fees or attended any party meetings.

Abdul Aziz can’t remember when and where he became an Umno member. — Picture by Choo Choy May

“I can’t remember when and where I once became an Umno member, anyone could have put my name in after I graduated from university in the 1970s.

“I can’t even remember which branch (I was an Umno member in) because after I finished my studies I lived in several areas — Segambut, Selayang and Ampang. So if anyone had named me (as an Umno member) I don’t know which branch,” Abdul Aziz told Sinar Harian.

Wan Ahmad confirmed that he was an Umno member, but like Abdul Aziz, he too claimed he could not remember which Umno branch he was registered in.

When asked whether he was still an Umno member, Wan Ahmad said: “I don’t know and have never bothered to find out. I am not a politician, I am a government servant and this has stayed till this day. I am speaking the truth.”

Wan Ahmad stressed that all government servants were barred from being active members in any political party, and that they had to relinquish their government posts if they wanted to do so.

“I am still in service (as a government) servant) and that it proof that I am not an active (Umno) member,” he said.

Similarly, Abdul Aziz said that being an Umno member did not make him biased in any way when it came to running the EC.

“I’ve never felt tied down in all my years here (in the EC),” he said.

Both the EC chief and deputy chief were accused yesterday of being Umno members, with a senior PKR official alleging that he had evidence of their membership in the ruling party.

The duo have come under intense scrutiny in the past year over claims of fraud in election practices and the electoral roll as federal polls draw near.

“I know Aziz’s membership number and I have information on which branch Tan Sri Aziz and his deputy are from.

“This is the only EC in the world where its chief and his deputy are officially members of a party that contests elections,” Sinar Harian quoted PKR secretary-general Datuk Saifuddin Nasution as saying.

The Machang MP then challenged the duo to prove they were not members of the senior party in the ruling coalition, failing which he would reveal the branches to which he alleged they belong.

He also told the Malay-language national daily that Tan Sri Pandikar Amin Mulia, who quit the Kota Marudu Umno when he was appointed Dewan Rakyat Speaker in 2008, had informed him that the EC’s top two officers were still party members.

The EC was heavily criticised in the lead-up to Bersih’s rally for free and fair elections on July 9 last year in which tens of thousands flooded the streets of the capital in chaotic scenes that saw over 1,500 arrested, scores injured and the death of an ex-soldier.

Widespread condemnation of the Najib administration’s clampdown saw Putrajaya make major concessions including announcing a bipartisan Parliamentary Select Committee to look into improving the electoral system.

During the committee’s six-month tenure, Pakatan Rakyat (PR) accused the EC of not being committed to reforms and eventually rejected the panel’s findings.

Early this month, Bersih, a coalition of 84 civil societies, also announced a sit-in protest at Dataran Merdeka for tomorrow, saying the findings of the select committee were disappointing and did not meet its demands for electoral reform.

Abdul Aziz became EC chairman on January 2009 while Wan Ahmad was appointed in 2007

From Malaysiakini please read ; Mechanic: Gun pointed at my head to force confession

Malaysiakini  Hafiz Yatim  3:19PM Feb 20, 2012
A 42-year-old mechanic has claimed that he was stopped and assaulted by eight Rela personnel after filling petrol in his car in Kajang four days ago.

On top of that, when the Rela officers turned him in to the Taming Jaya police station, he was assaulted by four police personnel who allegedly wanted him to admit to car and lorry theft.

S Mogan (left), of Balakong, said his ordeal began about 5am before he was to meet a friend who had sought his help at his workshop and house.

“I decided to fill up my car with petrol as I wanted to send my children to school soon after. As soon as I filled up, I was stopped by the Rela personnel who accused me of car theft,” he said at a press conference today.

“They searched my Nissan Sunny car and saw that I had many spare parts. I told them that I am a mechanic but this was met with one of them using a metal rod to hit my left leg. Then the other Rela personnel assaulted me, punching and kicking me on the body and in the back.”

Mogan said he was then taken to the Taming Jaya police station by the Rela personnel where they told the police that he was a drug addict.

There, the police personnel allegedly assaulted him with a water hose and hit him on the feet, to get him to confess to stealing cars and lorries.

“At one point, one of them pointed a gun at my head, threatening to kill me if I did not confess. The police officers showed me vehicles (outside the police station that they said) had been stolen. (They said the cases) remained unsolved and (that they) would put the blame on me to have the cases closed.

“They continued to beat me on the feet and shouted verbal abuse. I was in severe pain as I suspected that my left leg had been fractured by the use of the iron rod.

“When they pointed the gun at my head, I told them to shoot me as I could not stand the pain. They wanted me to sign a blank letter but I refused.”

Mogan, who said he was held at Taming Jaya from 6am to 9am, was taken to the Kajang district police station where a police officer put him through a urine test.

Mogan, who is married and has three children, said the officer also checked his background and noticed that he does not have a criminal record.

“As the urine test proved to be negative and as I do not possess any criminal record, the officer decided to release me. He told me to seek medical treatment and to come back to lodge a police report afterwards.”

Losses of RM5,000

That afternoon, after seeking medical treatment, he went to retrieve his car from the Taming Jaya police station and noticed that the spare parts, spare battery, alternator, and tools were missing.

“I had RM1,300 in my wallet, which was given to the police, but the money is missing. My Nokia handphone and other spare parts like spark plugs are also missing. I estimate my loss to be in the range of RM5,000,” he said.

“I have lodged a police report soon as I wanted the police to investigate the matter. There are receipts for all the items at my workshop. If the items are from stolen vehicles, come and prove it to me.”

He claimed that his injuries have caused bruises all over his body, a fracture to his left leg, and slight difficulty in hearing.

Mogan said a police officer had taken photos of his injuries yesterday.

“I am scared as one of the police officers in Taming Jaya warned me that they will watch me closely. I fear for my life,” he said.

Hindu Rights Action Force (Hindraf) leader P Uthayakumar (right), who was present, said there has been a concerted effort by the authorities to pick up Indian Malaysians and to try to force confessions out of them to resolve crime.

“Hindraf does not condone crime but we are concerned if the Rela and police are going about this in such a way as to force a confession. This is illegal and worrying and we want the inspector-general of police (IGP) and the attorney-general (AG) to investigate the matter,” he said.

“For this reason, I have written to the AG and IGP today to investigate this allegation. Mogan does not have a criminal record as verified by the Kajang police but why subject him to such treatment?”

Uthayakumar said Hindraf wants to see the formation of the Independent Police Complaints and Misconduct Commission as proposed by former Chief Justice Mohd Dzaiddin Abdullah.

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JOB VACANCY

MARKETING EXECUTIVE

MCIS ZURICH Insurance Berhad (MZ) is a composite conventional insurance provider with paid-up capital of RM100.3 million, shareholders’ fund exceeding RM315.5 million, and total assets amounting to RM4.3 billion. The Company is a product of a merger between MCIS Insurance Berhad and Zurich Insurance (M) Berhad in June 2002. For life insurance, while MZ has focused on the endowment and whole life markets in the past, its Investment-linked portfolio growth has been encouraging over the past few years.This has been supported by robust capital markets on which these funds are based on. The Company currently has 26 branches, and approximately 4250 Life and General Agents, 360,000 Policyholders and 528 Personnel nationwide. We are now expending our business in Taiping, Kuala Kangsar, Selama, Batu Kurau, Grik and surrounding are of Taiping District. We need 20 people as Marketing Executive for our expansion now.

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                Jalan Long Jaafar

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## Please bring your Resume when coming for interview.

Or please call for an interview appointment ;

MUHAMMAD MAGESWARAN – 012-5902894

Or you can send your Resume by email to :

mageswaran@mzpartners.com.my