semasa saya buat urusan di pusaka kecil,ada bertanyakan tentang buat surat wasiat di amanah raya atau ejen2nya..nak tahu apa mereka kata kalau org islam mereka tak terima wasiat2 ni kecuali di persetujui oleh waris2 yg berhak..cuma wakil amanah raya boleh datang memberitahu kepada pewaris2 yg berhak hasrat si mati..tapi kalau waris tak setuju,pihak pusaka kecil tak boleh buat apa2...
maknanya boleh buat wasiat tetapi untuk pembahagian kena minta lulus dari pusaka kecil yg mana mereka akan panggil waris yg berhak..jadi sama juga lah macam tak buat wasiat yg juga akan panggil seluruh waris yg berhak untuk pembahagian...satu jer kelebihan buat wasiat pewaris dapat tahu hasrat simati tapi harus mendapat persetujuan....
kadang2 tak buat wasiat lebih jimat kerana tak payah bawa ejen amanah raya yg tak berkuasa tu,urusan yg mereka buat kitapun boleh buat...bayangkan harta pusaka 1juta jika campur semua insuran,rumah,kereta tanah etc kalau kira balik cas mereka lebih kurang 30k mungkin lebih..sedangkan bukan susahpun urusan di pusaka kecil tu,ambil borang isi dan minta sain pewaris..saya bercakap berdasarkan pengalaman sendiri awal tahun 2011 di pusaka kecil kelang.
jadi yg mana boleh letak penama macam insuran,epf buatlah penama dan pesan kpd mereka dah dapat duit tu bahagi ikut faraid..yg mana tak boleh buat penama macam rumah,asb dll terus berurusan ke pusaka kecil..ejen amanah rayapun akan buat camtu gak bezanya urusan kalau kita buat sendiri kos tak habis rm500 kalau pakai ejen berpuluh ribu mereka pau.
Types of Estate Administration:
- Estate with Will (Testate)
- Estate without Will (Intestate Estate)
Role of AmanahRaya as Estate Administrator
- Represent the heirs in court and manage the estate for and on behalf of the beneficiaries.
- Identify the deceased's debtors and creditors by scrutinising the List of Assets and Liabilities.
- To pay off the deceased's creditors.
- To distribute the assets (in the case of Muslims) according to the Faraid Law and (in the case of non-Muslims) according to the Distribution Act 1958.
Service Fee (Section 17 & 13)*
- 4.00% of the 1st RM25,000
- 3.00% of the next RM 225,000
- 2.00% of the next RM 250,000
- 1.00% of the next RM 500,000
- 0.50% of the remaining balance
Service Fee (Section 8)*
- 2.00% of the value of the estate.
*Not inclusive of Third Party costs. Service fee is based on current rates.
Dijamin selamat dan memang selamat. Ada tuan pernah terdengar wasiat di AmanahRaya diketahui oleh pihak lain? Tuan kena tau bila berlaku kematian semua harta simati dibekukan. Pewaris hanya boleh tuntut harta tersebut dengan mendapatkan Surat Kuasa. Surat Kuasa hanya boleh dikeluarkan oleh 33 pihak sahaja di Malaysia ni, iaitu Amanah Raya, Bahagian Pusaka Kecil dan Mahkaman Tinggi. Kalau tuan pergi mana2 tempat (selaian dp yg 3 diatas)dan menyatakan dia boleh menguruskan harta pusaka berwasiat atau pun tidak dia hanya sebagai orang perantaraan sahaja. Jgn tertipu. Wasiat di AmanahRaya hanya RM350 sekali bayar seumur hidup. Pindaan pertama percuma. Pindaan seterusnya hanya Rm50 sekali panda tak kira berapa byk klausa yang tuan pinda. Selepas kematian untuk melaksanakan wasiat tersebut dikenakan fi pengurusan (lebihkurang kadar purata 2% daripada nilai asset). . Boleh nyatakan apa yng hidden cost tu?
From: respeks_group@yahoogroups.com [mailto:respeks_group@yahoogroups.com] On Behalf Of afrina arif
Sent: Wednesday, September 21, 2011 6:11 PM
selamat x sure la kan tp setahu i Amanah Raya ni memula mmg murah tp kemudian nya ada hidden cost.
From: KHAHAR ABDUL BIN RASHID <khahar@arb.com.my>
To: "'respeks_group@yahoogroups.com'" <respeks_group@yahoogroups.com>
Sent: Monday, 19 September 2011 3:41 PM
Subject: RE: RG2011... Khidmat buat nasihat WASIAT.
Wasiat murah dan selamat hanya di AmanahRaya. Syarikat Milik Kerajaan bukan persendirian. Djamin selamat
From: respeks_group@yahoogroups.com [mailto:respeks_group@yahoogroups.com] On Behalf Of fairsham@gmail.com
Sent: Thursday, September 15, 2011 10:23 AM
To: respeks_group@yahoogroups.com
Subject: Re: RG2011... Khidmat buat nasihat WASIAT.
Kwn sy ada buat wasiat dibawah CIMB Wealth Advisors dgn kerjasama as-solehin trusty berhad. Service sgt bagus coz pakcik sy ada buat dgnnya. Dia ada bg penerangan jelas seblm nk buat tu. Kalo nk sy boleh bg no phone dia utk dihubungi.
Sent from my BlackBerry® wireless device via Vodafone-Celcom Mobile.
-----Original Message-----
From: afrina arif <afin_123@yahoo.com>
Sender: respeks_group@yahoogroups.com
Date: Wed, 14 Sep 2011 03:22:21
To: respeks_group@yahoogroups.com<respeks_group@yahoogroups.com>
Reply-To: respeks_group@yahoogroups.com
Subject: Re: RG2011... Khidmat buat nasihat WASIAT.
email kt saya insyaallah sy blh tlg
From: "kekupumalam@yahoo.com" <kekupumalam@yahoo.com>
To: respeks_group@yahoogroups.com
Sent: Wednesday, 14 September 2011 2:17 PM
Subject: RG2011... Khidmat buat nasihat WASIAT.
Nak tanya nak wat wasiat kat mana okay servicenya.
Sent by Maxis from my BlackBerry® smartphone
From: "::-eSpAcE 9808-::" <rienacom@yahoo.com.sg>
Sender: respeks_group@yahoogroups.com
Date: Sat, 10 Sep 2011 00:11:42 +0800
To: zzxmelayucyber<melayucyber@yahoogroups.com>
ReplyTo: respeks_group@yahoogroups.com
Subject: RG2011... 13 Ways to Make Your Brain Genius
----- Original Message -----
From: ::-eSpAcE 9808-::
13 Ways to Make Your Brain Genius
edughoni
13 Ways to make your Brain Genius.
This is the greatness of our tiny brains. At birth a baby have 1,000,000,000,000 brain cells (neurons). Compare with a population of 6 billion world of the 21st century. This means the baby's head are the brain cells as much as 166 times the number of humans living on this planet.
Each brain cell has hundreds and thousands of branches or tentacles that look a lot like a micro-sized octopus.
Scientists from the University of California, Berkeley, USA, has examined the brains of rats. They found that the brains of mice grew by 4 percent when they were forced to perform mental tasks every day, for example, find a way out of a winding alley, climbing stairs, and socialize with other rats.
Well, the mouse brain can be trained to grow, let alone the human brain. The more trained, our brains must be more sharply. Memory loss in a certain amount at any age is natural, just as changes in other organs. Importantly, do not be lazy to diligently train our brain to stay strong memory of all time.
Here's 13 Ways to make your Brain Genius:
1. Practice your ability to observe
Note the surrounding environment. Record in your mind what you see, ranging from the simplest and forwarded with the observation that more complicated.
2. Learn something new.
Many read and get acquainted with other things that may not be your field, can a foreign language, knowledge of computers, and others.
3. Use your hands to follow the instructions of the brain.
Such as playing guitar, typing without looking at the keys, doing crafts out of wood, or practicing penmanship.
4. Sharpen your senses.
Can be trained to distinguish the taste of food likes and what does not. Recognizing the smell and aroma in the vicinity or the sounds that exist in the way or may feel hot or cold air around you.
5. Memorize the names of friends and the pair number.
How many can remember? Rehearse so I could remember more.
6. Diligent hobby.
Use the opportunity to develop your hobby.
7. Learn and memorize important dates, involving family members, friends, or a particular celebration.
8. Memorize something you like.
Could be it poetry, song, words from a book or someone's words. As much as possible also try to phrase that is used is a foreign language.
9. Exercise memorize a long sequence of numbers lined up, for example 32145687390282930498.
This is a form of exercise to improve short-term memory. Do it by grouping or splitting it into several parts numbers, eg 0511-7380282 and 365856 then the last 933 498.
10. Remember personal journey.
What you are doing an hour ago, last week on Wednesday at 10.00, for example. With whom, where, and so on.
11. Remember and re-spending meticulous daily.
What did you buy yesterday? How much money is in your wallet right now? When did you last take the cash, and so on.
12.Read, make it this one as it must every day even though we have just read the first sheet. Reading makes our brains become always honed. And avoid senility. Reading is a window of the heart.
13.Activation you Central Brain, midbrain requires a sense of security and confidence in the foundation to enable and develop it.
These exercises will allow brain cells remain active and intercellular connective tissue of the brain the meeting. Challenging mental activities increase the number of active circuits or synapses in the brain. The more circuits, more and more associations, the greater the ability to remember.
let's do 13 of these so that our brains to be a genius and all matters to be smooth, makyoss.
" Anda masih mencari jodoh? Lawati http://www.myjodoh.net"
" Kertas Soalan Ramalan Matematik 2010 : http://maths-catch.com/exam"
" Kedai Maya : http://halawahenterprise.blogspot.com/"
" Blog Sahabat RG : http://azwandengkil.blogspot.com"
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