Saturday, December 30, 2017

Never buy Insurance Policy

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Tyler Jwy added 6 new photos.
7 April

My dad bought this prudential savings plan twenty years back and he was supposed to get 40k+ this year during March. However, they've only sent my dad a cheque for 20k+ (the initial investment is 30k+).
My family went up to the prudential office to lodge a complain and to enquire as to why the company isn't giving the full sum as promised on the contract. The company dismissed my dad with a convenient bullshit excuse " our company isn't earning much so that's the sum you'll have ".
Is this ethically right? What's the point for anyone to save with prudential if you're going to make a loss in the end after 20 years? That money could've been many times more if my dad invested in other financial instruments and inflation.
Is there any case if we were to sue them? My parents are just Hawkers, I don't understand why you've to make the old generation suffer so much
Update: it's an endowment plan.
Update2 : there has been no withdrawal made and payment has been made regularly since 1994. The agent who sold this policy to my dad is no longer in prudential so it's more troublesome too. I've also attached another pic regarding the loss of $ (which I've no idea what it is)
Update3: Hi there! Didn't expect to receive so much help from everyone. I've already sent the documentations to my friends who're from diff insurance agencies and they're looking into it to see if they're able to help 😊 I've also translated the knowledge I've learnt from everyone to my dad but we'll have to wait till Monday to see how the situation unfolds (I was told that someone from prudential will be contacting us, we don't know how it'll go but we'll see).
For those who're not providing any useful advice at all and is attacking my dad and I, please know that none of us expected this to happen. The term insurance is a very new concept to him in the 90s. Just because you're literate now doesn't mean that everyone is back then in the 90s. Your parents could've bought similiar policies for their retirement plan back then, and they could've ended up in a similiar fate if they've an unethical agent whose mind is prob only on their KPI, serving them.
Once again, thanks everyone for your advice and concern regarding the situation and I really appreciate it. Have a great weekend ahead!
Update4 08/04: Last update till Monday. I've uploaded extra pics regarding the documentation. Thanks to all of you, I was able to understand more about insurances, riders, guaranteed sum etc. I was able to educate my dad on that and advice him accordingly as to what I've been told. So here's his question, why did the policy schedule (pic1) indicate that he would be receiving $42k based on the contract he has in the 90s even though the assured sum is 20k? There has been no signs of the word " projected " anywhere in the policy schedule which is pretty misleading imo.
Update5 10/04: A rep from pru contacted my dad and has explained the policy as whole, but there was still no explanation regarding the letter which states the 42k.
2) My dad told her what went down on his visit to Prudential Singapore's customer service during feb. Basically after the situation which was explained on this post (my dad being dismissed etc), he requested to see a manager, but was denied. Customer service then told us to go ahead with complaining.
3) He was informed that the company has no records of the first letter which I've uploaded and asked my dad if there's a pru logo on it/envelope accompanying it (are you guys insinuating anything?). Just so all of you know, the first letter which accompanied the policy was sent in this gold coloured envelope during the year of purchase (wow this paper is as old as I am).
4) I've emailed the documents WITH LOGO to the pru rep as of 11am, she told my dad that she will be visiting him tomorrow. Also I've uploaded the documents with logo here too.
Update6 12/04 - Update from my parents:
Yesterday, 3 prudential representatives came to my house to explain the policy to my parents and to understand the entire situation. As the company has no records of the documentation regarding the policy, they took pictures of it and brought it back for investigation.
The reps also told my dad that the policy schedule was done by agent back then and not by the company. Regardless of whether it's done up by the company or the agent, the fact that the policy was from Prudential, the company should be accountable for it. After all, It has their prudential logo and such mistake is their internal matters.
Fortunately, the reps have also agreed that the company has responsibility regarding this issue too.
My dad then explained to them that he bought the policy back then in the 90s bcuz of the 42k that the agent promised and the written policy schedule (as shown in the pic, there was no indication that it's a projected sum) and that he wouldn't have bought it if it was otherwise.
The reps then told him that they'll be investigating the matter and will be contacting him again next Wednesday.
(My dad also wanted me to convey that he has been honest throughout this whole episode and there's nothing to hide.)

Thursday, December 28, 2017

Throwing away the TRASH to start New Year

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I can be fiercely loyal and true to people around me if I am given the respect and understanding.

As a wife and mother, I also protect my family the same way.  Protecting them is my main priority. Unless and until someone turn against me, then I readily cut off the ties.

I believe that when a spouse walks out from the house, he or she has already cut off that family ties.  There is no turning back in that marriage unless the spouse left behind is so desperate for the other half because of sex or money.

In the case of my sister-in-law, her husband walked out from the marriage to spend more time with the second wife.  To maintain her ego and self-esteem my sister-in-law remained faithful to the marriage.  Every now and then when the husband wants money or free fuck, he drops by.  This is very sad and disgusting.

Since then I have told myself that I will never allow that to happen to me.

My husband walked out from the house on 1st November 2017.  Making that move takes gut and I admire him for that and I acknowledge that as sign for a divorce.

But to him that is only a separation while enjoying a different life style. To him and his religion after two years of separation then a divorce is automatic and meanwhile he is not oblige to give maintenance to the one left behind.

Now that I am asking for alimony and to stop him from making decision to my daughters’ marriage and future he threatens to file for divorce tomorrow.

Aiyoh after more than 33 years of marriage my husband thinks he can simply threaten me with a paper divorce.  To me I have acknowledge that HE ALREADY DIVORCE ME ON 1ST NOVEMBER 2017.

This is one of the biggest joke in my married life.

For more than 33 years not once have I celebrated my wedding anniversary neither has my husband remembered my birthday.

I am the one who make sure everyone in the family remember and celebrate all the birthdays.

For Raya it is always back to his kampung for celebration even after his parents’ death, balik kampung is a must.  My husband does not see the need to have our own Raya celebration in Kuala Lumpur even though this is my home town.  To him his siblings are more important than his own wife and family.

When my family was in bad shape, I went on bended knee to beg for a project from Tun Daim and got it, my husband then let it be stolen by his friend Zamlah who became INSTANT MILLIONAIRE. Because of Zamlah’s action, I got blamed for my husband’s heart attack and had to close my business in Penang to come back to Kuala Lumpur to be with him.

In Kuala Lumpur the business here took a down turn because my children and husband who were entrusted to look after it were not interested.  The operation time were at their mercy.  Customers were at loss when it is actually open for business.  When I came back I could no longer carry on and had to close the business.

Since then I had no income to put food on the table nor pay for utilities etc.

To make matter worse Tun Daim told his daughter Ida to transfer my houses to her company Sri Kandi.  Since then till today Tun Daim refused to give me an answer why he stole my houses nor does he wish to return them.  When a billionaire can steal openly from the poor, shows Malaysia is already a doom nation.

Back to the trash in my life whom I constantly propose to do something small like selling nasi lemak or kuih were met with no interest. My ex thinks God will put food on the table for his family.

My ex-husband’s daily routine and belief are - to pray five times a day at the surau or mosque without a miss.  All his three meals are taken care of by his kakis from surau or mosque. When he is home, his Korean drama will be on.  The only thing I could rely on him is to take in the clothes if it rain.  Other than that is a big hassle to his well-being.  He only talks to his children and will do anything they ask.  Every time I open my mouth to say or ask something, my ex-husband would brush me off and sometimes the things on the table would go flying. To my ex, I am capable of finding ways to put food on the table, repair and paint the house by myself.  Whatever else I cannot do, I will have to find ways and mean to get it done.

In my own home I am invisible until I am needed.  My ex make me feel small, unfit and unwelcome.

It was with much relief when he left home on the 1st November 2017.  Since then I have peaceful sleep and one less to care for. As he has never provided financially for our needs, there was no burden to the family members.

Did I lose my feeling for him completely since then?  The answer is NO, until today when he threatens TO FILE FOR DIVORCE TOMORROW because I ask for alimony.


Tuesday, December 19, 2017

Education alone will not bring Malaysia out from corruption

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Every forum and talk, EDUCATION seems to be the only key to solving our corruption and going no-where nation.

It is true today students in schools, universities and generation Y have accepted CORRUPTION as part of living as Malaysian.  This is because we have the biggest and most corrupted man as PM and a wife who is not only corrupted but a murderer too.

There is talk that if a good quality education system is in place, then there is no need to have Chinese, Tamil or International Schools.  Solution solve – united as one to fight corruption.  But no one suggested to get rid of the Religious schools, why because there is still a need to brain wash the Melayu.

To me Education alone cannot solve corruption.

The people need to be united as one.  To do that we need to get rid of religion and race that is flooding this nation.

Today everything is done in the name of Allah and UMNO cum Islamic Freak is the ONLY COMMAND that Malaysians must obey.

Once no one race and religion can over-ride others then with a good Education system CORRUPTION CAN BE KILL.

A Corrupted and greedy Sangkil since 1800

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Last week I attended a talk by a Malaysia Lama UMNO man.

Before he opened the floor to the audience’s view on the vision and understanding of Malaysia Baru, he gave a little bit of history on Malaya before Independence till today.

He said that the agreement with the British agreed upon were the Malays to rule this nation, MIC were to service the estate and MCA were to see to the welfare of the Chinese.  In no terms were MIC and MCA included to run this nation. 

If one were to read Robert Kuok’s memoir, one will understand the Chinese came to Malaya to seek their fortune and later were to return home.

Like the Chinese, Indians from India too came to Malaya to seek fortune.

But some Chinese and Indians decided to stay on in Malaya and bought their family members here too because the Malays were kind to them and there were plenty of opportunities to wealth.

One can see how generous the Malays were to the Indians and Chinese by giving them opportunity to share the ruling of this nation. 

What this Malaysia Lama UMNO man not revealing is the history of 1800. 

Back in 1800 Malay from Indonesian Islands came to Malaya to seek food, shelter and opportunities similar to the Chinese from China and Indians from India. Some Malays went back to Indonesia after gaining wealth while others remain and also brought their family members over too.

When the Malay from Indonesian Islands came here, they started human trafficking because they knew no trade and had no skill. They captured Orang Asli and sold them as slaves or concubine.  

Many of the slaves were sent to far away countries like Africa and Maui.

The Malay from Indonesian Islands were called Sangkil then.  Today they have re-branded themselves as Melayu or Bumiputera, while the rest are called Pendatang.

Sangkil, Bugis, Pendatang, Pariah or other name calling are acceptable since most of us are born from migrates who came to Malaya to live.

Except for people like MB Selangor Azmin who was born in Singapore and DPM Zahid, born in Indonesia.  These foreigners have not right to be leaders of this nation.

Like the Malay from Indonesian Islands, Chinese from China and Indian from India. Bangla, Vietnamese, Paki etc too will bring their families here to stay.

Orang Asli are the most generous and naive people who allow themselves be slaves in their own homeland.

Monday, December 4, 2017

Puteri UMNO are prostitutes in disguise

Lesbian Azlina wanted the post of Wanita UMNO Chief badly so she created Puteri UMNO to service the men in UMNO.  To the young and eager Malay girls who love free luxury items, free holiday, free accommodation and everything free it was a winning game for both the men who can afford throwing money and young Malay girls and Azlina.
When Shahrizat became Wanita Chief she brought a new meaning to Puteri UMNO making them high class prostitutes.  Puteri UMNO were sent overseas to get fuck. These girls also have the opportunity to service foreign delegates and Royalty.
Seeing how the girls have great time, Shahrizat and Rosmah joined the game but mostly with lawyers and foreign Artiste.
Tun told me that he has slept with almost 400 Puteri UMNO when he was in the Cabinet and he is not alone.

Khalwat goes on during Umno AGM every year, claims ex-Puteri Umno

A former Klang Umno Puteri committee member claimed that many cases of khalwat (close proximity) occur every time the Umno AGM comes around.
Wan Asshima Kamaruddin, who is now a PAS member, said this is based on her 17-year experience in Umno.
"I challenge the Federal Territories Islamic Religious Department (Jawi) to carry out huge raids to arrest those engaging in khalwat.
"How many couples are engaging in khalwat, how many couples are non-Muslims (committing khalwat) with Muslims," she said, as reported by Harakah Daily today.

Wan Asshima stated that she is revealing this now because she no longer wants to abet the "immoral" acts allegedly occurring at the Umno AGM.
"We can see there, how many wives of people, and husbands of people are in one room.
"If I were to say anything, they'd say I'm being defamatory, or being disgraceful, but I saw all those immoral acts during my 17 years there.
"And I will never again abet in such things," she said.
As such, she requested that Jawi to carry out raids at the hotels in Kuala Lumpur during the Umno AGM, which is scheduled to take place from Dec 5 to 9 at the Putra World Trade Centre.
It was reported in early November that Wan Asshima had quit Umno to join PAS, despite purportedly being offered a RM1.5 billion project.


Sunday, December 3, 2017

Mad Muslim running wild in Pahang

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Pahang has implemented Prayers after school for all Muslim.
This kind of in doctrine is becoming a trend among the freak Malaysian Muslim who are out to control everything under the sky.
This is to be fair to non-Muslim.

What Happens if Warisan win 42 seats??????