
Download:
http://www.ziddu.com/download/12943351/hbedv_expiry_12_01_2011.zip.html
Valid until: 12/01/2011
Next license: 13/01/2011
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Dear Claimant,
This is a message from the Administrator of SwissCash.
The Administrator has assessed your claim and is pleased to inform you that you are eligible for payment based on the Court approved eligibility criteria. A cheque will be sent to you in due course.
Regards
For and on behalf of the Administrator-SwissCash
http://www.administrator-swisscash.com.my/
The pool of funds is made available following a settlement entered into with two defendants in the Swisscash investment scam , Albert Lee Kee Sien and Amir Hassan, on 6 November 2009.
PricewaterhouseCoopers Advisory Services Sdn Bhd, the Administrator appointed by the SC to manage the restitution process, had in January this year published an advertisement calling for claims to be submitted.
Following the advertisement, the Administrator had received and processed close to 24,000 claims. The Administrator had also assisted the SC in determining the eligibility criteria for investors which was then submitted by the SC to the Court for approval. The Administrator will make payments to eligible investors from today.
The SC wishes to remind investors that their claims are subject to the criteria for restitution as approved by the Court. As such, not every investor will be restituted as the criteria which the Court has endorsed requires some degree of proof of investment and proof of payment for an investor to be eligible for payout. Moreover, as the available funds are limited and smaller than the total amount of claims received, eligible investors will not be getting their claims in full.
Those who had submitted their claims can visit the Administrator's website later today at http://www.administrator-swisscash.com.my/ and fill up their personal particulars. They will then receive a notification via e-mail or SMS to confirm whether they are eligible or not. If they are eligible, they will receive their cheque in the post.
The Application and Affidavit in support of the application for the eligibility criteria can be viewed here.
SECURITIES COMMISSION MALAYSIA
Kuala Lumpur, 15 April 2010
Himpunan dana itu dibuat ekoran daripada penyelesaian yang dibuat dengan dua defendan dalam skim penipuan pelaburan Swisscash, Albert Lee Kee Sien dan Amir Hassan, pada 6 November 2009.
PricewaterhouseCoopers Advisory Services Sdn Bhd, Pentadbir yang dilantik oleh SC untuk menguruskan proses pengembalian itu, pada bulan Januari tahun ini telah mengeluarkan iklan meminta pelabur yang terlibat supaya mengemukakan tuntutan masing-masing.
Berikutan dengan iklan tersebut, Pentadbir telah menerima dan memproses hampir 24,000 tuntutan. Pentadbir juga telah membantu SC dalam menentukan kriteria kelayakan bagi pelabur yang kemudiannya diserahkan oleh SC kepada Mahkamah untuk kelulusan. Pentadbir akan membuat bayaran kepada pelabur yang layak mulai hari ini.
SC ingin mengingatkan para pelabur bahawa tuntutan mereka adalah tertakluk kepada kriteria bagi pengembalian sebagaimana yang diluluskan oleh Mahkamah. Oleh itu, bukan semua pelabur akan mendapat pengembalian wang mereka memandangkan kriteria yang diluluskan oleh Mahkamah memerlukan bukti tertentu pelaburan dan pembayaran bagi membolehkan seseorang pelabur layak mendapat bayaran pengembalian tersebut. Selain itu, memandangkan dana tersebut adalah terhad dan lebih kecil daripada jumlah keseluruhan tuntutan yang diterima, pelabur yang layak tidak akan mendapat tuntutan mereka sepenuhnya.
Mereka yang telah mengemukakan tuntutan boleh melayari laman web Pentadbir di http://www.administrator-swisscash.com.my/ dan mengisi butir-butir lengkap peribadi mereka. Mereka kemudiannya akan menerima suatu notis melalui e-mel atau SMS untuk mengesahkan sama ada mereka layak atau tidak. Jika layak, mereka akan menerima cek melalui pos.
Permohonan dan Afidavit yang menyokong permohonan bagi kriteria kelayakan boleh dilihat di sini.
SURUHANJAYA SEKURITI MALAYSIA
Kuala Lumpur, 15 April 2010Debt-ridden movie star Nicolas Cage lost his Bel Air mansion to foreclosure on Wednesday. The courthouse auction was a flop, as no one was willing to make the minimum $10.4 million bid. Stephen Shapiro, realtor and owner of Westside Estate Agency, said this clears out speculators and most lenders with stakes in the property, leaving Citibank as the sole owner.
Cage owes $11 million to Citibank, the current owner of the mansion. Shapiro said he's had the house on the market for nearly a year and is trying to get approximately $11.5 million.
©Westside Estate Agency |
Living Room
Located in the posh Bel Air community of Los Angeles -- this party palace has had several high-profile owners, including Rat Packer Dean Martin, Welsh crooner Tom Jones, and most recently Nicolas Cage, an Oscar winner who has appeared in more than 60 movies, according to IMDB.com, including "Raising Arizona" and "Leaving Las Vegas."
©Westside Estate Agency |
Bathroom
The bathroom and other parts of the house no longer contain Cage's possessions, including his extensive collection of framed comic books, samurai armor and giant Mickey Mouse statue. "Cage's possessions are what many people consider to be bizarre, not the house," said Shapiro.
©Westside Estate Agency |
Kitchen
Nicolas Cage's former home was built in 1940 "on a flat acre in a prime Bel Air location," Shapiro said. "It's about 12,000 square feet of two-story English brick Tudor house. It's very old world craftsmanship, great detail, a lot of charm, but specific in its tastes."
©Westside Estate Agency |
Hollywood Pool
It's important that Nicolas Cage's foreclosed home "should go to someone who wants to live there." Shapiro said. The person who will buy the house will be a resident. It's not going to be a speculator, because there's not enough money in it to flip it, he said.
by Aaron SmithOf the top 10 industries that received the most consumer complaints last year, three were auto related.
New-car dealers, used-car dealers and auto service and repair shops registered almost 54,000 complaints in North America, according to the Better Business Bureau. They were the No. 4, 7 and 10th-most complaint-ridden industries of 2009. It's enough to make anyone blanch at the thought of buying a new car.
"Difficult times lead to creativity," says Bill Gerhard, AAA's director of financial services. "People come up with sensational hooks to try and get you to the dealerships, and once they lure you in, the goal is to sell you something and generate as much profit for the dealership as they can."
It helps to know what you may face before hitting the showroom. That way, you'll be prepared to avoid the stress of being ambushed by a team of salesmen or accosted by a loan shark. And you'll have more confidence in the face of undue pressure to seal the deal.
1. The Ambush
Beware of being shuffled among a never-ending team of auto pros--you shouldn't have to talk to the sales guy out on the lot, the sales manager, the finance manager, the floor manager and the used-car manager just to buy a car. Pick one to deal with and stick with him.
2. The Confiscation
Whatever you do, don't give up the keys to your current vehicle--even if the "used-car manager" asks for them to asses the car for its trade-in value, even if the "sales manager" asks for them as collateral while you take a test drive. If negotiations should go amiss, it's impossible to walk out on the deal if you have no way to start your car.
3. The Bum Rush
Salesmen love to hurry you into a deal today. They'll try all kinds of things: On-the-spot delivery, haggling over details, one-time offers. Don't let them pressure and bully you into an impulse buy. Show up knowing what kind of car you need and what you can afford to pay--and if they can't provide that, leave.
4. The Buried Bill
Read over final invoices carefully before signing anything, in order to make sure you're not charged for something you didn't request. Alarms, extra cleaning, "prepping," rust-proofing, fabric protection and paint sealant are all common add-ons that sometimes appear on the invoice unknown to the buyer. Hint: Consider doing the VIN (Vehicle Information Number) etching yourself. Dealers charge hundreds of dollars to do it, but a home-etching kit costs as little as $20.
5. The Bait and Switch
Dealers may advertise one model in the paper, loaded with extras for a reasonable price, but then have only a lesser model (with less overall value) on the lot when interested parties show up to buy the one they saw in the paper. Best way to avoid this trap: The minute you realize the con, walk away.
There are roughly 10,000 new- and used-car dealers in North America accredited by the Better Business Bureau, and an additional 15,000 that provide repair and service. While the total number of consumer complaints in North America was up 10% overall last year (cellular phone companies, television stations and banks topped the list) complaints at new-car dealerships declined 2.4%. More than 84% of those complaints were resolved, according to BBB data.
"Our stats show that complaints against car dealers are kind of a wash from the previous year," says Alison Southwick, a spokeswoman for the BBB. "It's when you see sudden sharp increases, like 42% for banks, that you know you've got a problem."
Still, complaints about used-car salesmen and repair shops were up 2.5% and 9.5% last year, respectively. The used-car industry has been doing especially poorly as of late--complaints about used-car dealers increased 18% from 2007 to 2008. What's more, one in five shoppers who leave a dealership without buying something leave because they received poor treatment or had problems with "pricing games, sales pressure tactics or discourteous treatment," according to a 2009 report from J.D. Power.
And dealer traffic volumes are expected to decline by 20% by 2013, causing a 25% drop in revenue that will force car dealers to adapt to an "increasingly difficult environment and try new methods to keep customers coming back," J.D. Power says.
Women buyers are particularly important to dealers. According to data from Ward's Auto, an automotive industry news and analysis firm, 85% of all purchase decisions are made or heavily influenced by women. But CNW Marketing Research Inc. reports that just 8% of U.S. dealerships are female-owned.
To determine which car-sales tactics can be the most harmful, we culled advice from the experts at Better Business Bureau, J.D. Power and Associates, and AAA to come up with the best strategy to avoid getting ripped off. One important note: These scams aren't huge conspiracies that trick prospective drivers out of thousands of dollars. Instead, they're small corners cut, intimidation applied or minor untruths told that add up to one toxic car-buying experience.
Hidden fees, for instance, could mean a difference of a couple hundred bucks, at most. But a couple hundred dollars is a lot for many consumers. The scam is easy to avoid: Just read carefully over any invoice or contract before you sign it (alarms, extra cleaning, "prepping," rust-proofing, fabric protection and paint sealant are all common but unnecessary add-ons that sometimes appear on the invoice unknown to the buyer). And consider doing the VIN (Vehicle Information Number) etching yourself. Dealers charge hundreds of dollars to do it, but a home-etching kit costs as little as $20.
The same attention to detail goes for less-than-honest negotiation tactics. "Finance managers" will often start the process by talking about monthly payments rather than the total cost of a vehicle. But by stretching the payments over a long period of time, long-term loans coax people into buying cars they can't afford--and the car will have almost fully depreciated by the time it's paid for. Instead, choose the shortest-term car loan available.
"Consumers should do some research on the vehicle or vehicles they are interested in purchasing or leasing," J.D. Power's Tews says. "They should talk to the loan officer at their bank or credit union before going to the dealership so they know how much they can spend and understand their financing options and can compare them to the options provided by the captive provider."
A general rule of thumb is that a car payment should cost no more than 12% to 15% of your after-tax monthly income. Don't mention any price at all until you've selected a vehicle to buy, and then ask the salesperson for his or her very best offer. Don't discuss add-ons like warranties or trade-in prices until you've agreed on the price for the car itself--that will only muddle how much you're actually paying for it.
The good news is that these days, buyers have substantial negotiation power at their fingertips--which will help with fending off a bait-and-switch or a lemon sale. Online sources like Autotrader.com, Kelley Blue Book and the National Automobile Dealers Association can significantly narrow down the list of what type of car might work best and provide a reasonable price range. And the Better Business Bureau Web site lists accredited car dealers by region as well.
If all else fails, use common sense, Gerhard says. If something seems amiss, walk away. There will always be another car, another day.
"It still is buyer beware, especially in these times," he says. "If it sounds too good to be true, it probably is."
Everyone has a boss. Even if you "work for yourself," you're still an employee to your client.
A big part of maintaining the boss-employee relationship is to never allow a boss to think you dislike your work, are incapable of doing it, or--worse--consider it beneath you.
These sound like no-brainers, but many statements heard commonly around the workplace violate these basic rules. Looking for an example? Here are seven heard in workplaces all the time. They may seem ordinary, even harmless. But try reading these from your boss's point of view. You'll see right away why it's smart to never allow these seven sentences to pass your lips:
"That's not my job." You know what? A lot of bosses are simple souls who think your job is to do what's asked of you. So even if you're assigned a task that is, indeed, not your job, refrain from saying so. Instead, try to find out why your boss is assigning you this task--there may be a valid reason. If you believe that doing the task is a bad idea (as in, bad for the company) you can try explaining why and suggesting how it could be better done by someone else. This may work, depending on the boss. In any case, remember that doing what's asked of you, even tasks outside your job description, is good karma.
"It's not my problem." When people say something is not their problem it makes them look like they don't care. This does not endear them to anybody, especially the boss. If a problem is brewing and you have nothing constructive to say, it's better to say nothing at all. Even better is to pitch in and try to help. Because, ultimately, a problem in the workplace is everyone's problem. We're all in it together.
"It's not my fault." Yet another four words to be avoided. Human nature is weird. Claiming that something is not our fault often has the result of making people suspect it is. Besides, what's the real issue here? It's that something went wrong and needs to be fixed. That's what people should be thinking about--not who is to blame.
"I can only do one thing at a time." News flash: Complaining you are overworked will not make your boss feel sorry for you or go easier on you. Instead, a boss will think: (1) you resent your job, and/or (2) you aren't up to your job. Everybody, especially nowadays, feels pressured and overworked. If you're trying to be funny, please note that some sarcasm is funny and lightens the mood. Some just ticks people off.
"I am way overqualified for this job." Hey, maybe you are. But the fact is, this is the job you have. You agreed to take it on and, while you may now regret that decision, it's still your job. Complaining that it's beneath you only makes you look bad. Plus, coworkers doing similar jobs may resent and dislike you. And guess what? Bosses will not think, "Oh, this is a superior person whom I need to promote." Nope, they'll think, "What a jerk."
"This job is easy! Anyone could do it!" Maybe what you're trying to convey here is that you're so brilliant your work is easy. Unfortunately, it comes off sounding more like, "This work is stupid." Bosses don't like hearing that any work is stupid. Nor do they really like hearing that a job is easy peasy. It belittles the whole enterprise. If a task is simple, be glad and do it as quickly as you can. Even "stupid" work needs to get done.
"It can't be done." Saying something can't be done is like waving a red flag in a boss's eyes. Even if the thing being suggested truly is impossible, saying it is can make you look ineffectual or incapable. Better to play detective. Why is the boss asking you to do whatever it is? What's the problem that needs to be solved? What's the goal? Search for doable ways of solving that problem or reaching that goal. That's what bosses really want. Most of them do not expect the impossible.
Last words: When in doubt, remember that silence really is golden.
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