Maybank Visa Debit 年费不必给 RM 8

之前跟大家分享了 ATM 卡免付年费 no annual fee RM 8 的文章，我们知道马来西亚的国家银行Bank Negara 有设下规定。每间银行必须提供最基本的储蓄户口，就是 Basic Saving Account （有ATM 提款卡的户口）无需付年费， NO Annual Fee 那种。

除了 ATM 提款卡之外，Visa Debit Card 过账卡其实也是不需要付年费的，RM 8 或 RM 12 其实是不用付的。你可能不相信，你告诉我说，银行的人说要在任何提款机提款或过账的话，就要给年费 RM 8。我告诉你，他们骗你的或他们没有告诉你事实的全部，让你误会要用 debit card 提款需要给 RM 8）。这个 RM 8 不是强制性的。

付 RM 8 及没有付 RM 8 的 Maybank Visa Debit Card 有什么分别？

• 没有付 RM 8 ~ 一个月能提款 4 次，第五次起，每次提款收 RM 0.50。
• 付 RM 8 ~ 无限制提款。

我们一个月回到 ATM 提款机按钱超过 4 次吗？我觉得很少可能吧。所以，我们在跟银行申请 Visa Debit Card 过账卡，表明我们不要 Unlimited withdrawal at Maybank ATM。我们不要付 RM 8。

如果你每个月真的到 ATM 提款机按钱超过 4 次，但是你的银行户口有超过 RM 5000，那么提款收 RM 0.50 的服务费也是免了。所以，你真的不需要付 RM 8。以下是从 Maybank 网站抄下来的 Maybank Visa Debit Card Fee and Charges。

ATM 卡年费免付 no annual fee RM8

我有 4 张 ATM 卡，在我大学期间就有了这些 ATM 卡，大学期间贷款借钱 PTPTN，所以就在大学开了 BUMIPUTRA BANK COMMERCE （现在称为 CIMB BANK)，在 SONY 工作的时候就开了 MAYBANK 的户口，也拿了 Maybank 的 ATM 卡。

从那个时候开始，我就以为要拿 ATM 卡就要付年费，一年的 anual fee 是 RM 8。银行的职员都是这样告诉我们，不只是我，我的弟弟或朋友都是这样被银行给误导了。

原来马来西亚的国家银行Bank Negara 有设下规定。每间银行必须提供最基本的储蓄户口，就是 Basic Saving Account （有ATM 提款卡的户口）无需付年费， NO Annual Fee 那种。可是，很多人都不知道，而且银行的职员也告诉我们有卡都要付 RM 8。有些银行更聪明，直接给我们 DEBIT CARD 过账卡，强制性收我们年费。

我上网找了两家最大的银行。Maybank 及 CIMB，发现他们的网站都有Basic Saving Account （NO Anuual Fee)，证明真的是有这样的户口。不过，银行都会有限制提款次数，比如最多8次，当超过提款次数则每次征收服务费RM0.50。如果你并不是时常用 ATM 卡提款，那么你可以选择这种 Basic Saving Account。

CIMB 免费 Free ATM 卡。NO Annual Fee for CIMB ATM Card。

Maybank 免费 Free ATM 卡。NO Annual Fee for Maybank ATM Card。

Government of Malaysia and UNDP Promote Renewable Energy @2006

The government of Malaysia and the United Nations Development Programme (UNDP) on Thursday announced a new initiative to boost efforts for the adoption of biomass as one of many renewable energy sources for the country. “UNDP and the Ministry of Energy, Water and Communications (MEWC) will facilitate a privately owned company in building a full-scale model biomass power plant to demonstrate the feasibility of a biomass-based power generation system,” said Dr Richard Leete, UNDP Resident Representative for Malaysia, Singapore and Brunei Darussalam. 

(In energy production and industry, biomass refers to living and recently living biological material which can be used as fuel or for industrial production. Biomass is grown from several plants, including palm oil.)


The construction of the RM70 million plant is funded by the private sector and co-financed by the government of Malaysia, UNDP/Global Environment Facility (GEF) and the Malaysian Electricity Industry Trust Account (MESITA) through an innovative financing mechanism managed by Bank Pembangunan, he added. Malaysia’s effort in promoting the use of renewable energy is highly commendable, especially so given the country’s abundance of palm oil wastes and the rising global demand for oil, said Dr Leete. 

“This will definitely help the country to mitigate the harmful greenhouse gases generated from the energy sector and facilitate Malaysia’s voluntary commitment to the Kyoto Protocol.  UNDP Malaysia will do all it can to support and assist the government in achieving its objectives,” he stressed. The initiative is implemented under BioGen (Biomass-based Power Generation and Co-generation in the Malaysian Palm Oil Industry) -- a national project executed by the Ministry of Energy, Water and Communication (MEWC) which started in 2002 to reduce greenhouse gas emissions from the power sector by catalysing the implementation of biomass technology in the palm oil industry using palm oil wastes. 

A Memorandum Of Understanding was signed on Thursday between BioGen’s implementing agency, Pusat Tenaga Malaysia (PTM) on behalf of the MEWC, and MHES Asia Sdn Bhd, a privately-owned special purpose vehicle (SPV) company established to develop and operate the plant in Negeri Sembilan.  The plant, to be located in Serting, Bahau, will have a capacity of 13 MW and will utilise empty palm oil fruit bunches as main fuel. The power plant is expected to be completed in 2008.

UNDP is the UN's global development network, advocating for change and connecting countries to knowledge, experience and resources to help people build a better life. They are on the ground in 166 countries, working with them on their own solutions to global and national development challenges. As they develop local capacity, they draw on the people of UNDP and our wide range of partners.  Its current priority is to help all countries achieve the Millennium Development Goals (MDGs) by 2015. 
To read more about the work of UNDP in Malaysia, please visit website at www.undp.org.my


PTM is Malaysia’s national energy research centre and the implementing agency of the BioGen project. It is administered by the Ministry of Energy, Communications and Multimedia and co-ordinate various activities, specifically energy planning and research, energy efficiency, and technological research, development and 
demonstration (R,D&D) undertaken in the energy sector. 

GEF is an independent financial organization that provides grants to developing countries for projects that benefit the global environment and promote sustainable livelihoods in local communities. 


For further information, please contact: 
Hazlin Hassan, Communications Associate, 
UNITED NATIONS DEVELOPMENT PROGRAMME  
Wisma UN, Block C, Kompleks Pejabat Damansara, 
Jln Dungun, Damansara Heights, 50490 KL 
Tel No. 603 2091 5154 Fax : +60 3 2095 2870 
Email: hazlin.hassan@undp.org
Shom Teoh, Communications Officer, 
Energy and Environment Cluster 
UNITED NATIONS DEVELOPMENT PROGRAMME  
Wisma UN, Block C, Kompleks Pejabat Damansara, 
Jln Dungun, Damansara Heights, 50490 KL 
Tel No. 603 2091 5104 Fax : +60 3 2095 2870 
Email : shom.teoh@undp.org 
to view the complete version, please click HERE

Renew Malaysian energy through renewable energy

Renew Malaysian energy through renewable energy

It is my pleasure to share out opinions on this issue.


To help gaining further insight into this issue, i will first post related article from beginning until now, so that we can see what did malaysian did so far to renew the energy.

Happy reading and feel free to contribute your ideas and thought on renew the energy!

《分享无敌》有奖游戏-CD268M

还记得那时无敌配合学校的义卖会，在学校里头举办小型展销会。当时我就被极致美感的轻薄机身深深吸引，久久不能忘怀。无敌电脑辞典的功能一直在我脑中盘旋，最后我鼓起勇气，向父母提起无敌的好处。

最后，他们终于答应买一台CD268M供我学习之用，不过条件是我的成绩一定要保持水准，不可只顾着玩辞典，荒废学业。当时我就心想：爸妈怎么这样老古董，无敌不是拿来打游戏的，是铺助我的学习进展的。不过当时一心急着想拿到辞典，也没管这么多，只拼命点头，就拉着爸妈去无敌的专卖店了。

现在想想，当时应该好好想爸妈解释清楚，不过后来我的成绩取得亮眼的表现，有目共睹的进步，相信爸妈也不会再认为无敌是游戏机了吧？其实，除了可以快速查训生字及词句，在学习效果上，无敌的帮助來得更全面。无敌不但功能多样化，发音标准化，学习也变得互动化。通过中英文全句翻译及独家比对精灵，任何句子翻译都难不倒我，再加上英文单字音节发音採用真人发音，細膩的高音质和独家音标口型，帮助我确实掌握发音技巧，有效矫正发音缺点，稳固学习基础。

这台全彩的学习机，让我的学习不再单调乏味，反而充满色彩与欢乐！影音动画学习把刻板的生字和词句，用另一种手法呈现在我的面前，生动可爱，也更容易将词汇牢记在心里，在合适的场合及气氛底下正确的使用。此外，黑色的机身十分容易保养，只要有空时用干净的布抹一抹，就可以保养的很好了。

所以要不断地提高成绩，所用的电脑辞典学习机，就一定要拥有对应实际需要而设计的功能。

所以，我的CD268M无疑是必要的最强学习武器。


www.besta.my

FREE Gift with VITAGEN Less Sugar

Get a FREE Multi-purpose Eco Zipper Bag with every purchase of 10 bottles of VITAGEN Less Sugar.

Collect all 3 colours.

Available at participating outlets. Also applicable to home delivery service.

Visit website for more details.

Call 03-5621 1408 for enquiries.

the Curve "Drive The Hyundai Home" Contest

Spend a min of RM100 and above at the Curve and stand a chance to win a Hyundai Sonata 2.0L.

Terms and conditions apply.

Visit their Concierge, Ground Floor for more details.

Call the Curve Customer Care at 03-7710 6868 for enquiries.

不知道我到底是要什么

我不知道我到底是要什么

很烦

很显

很闷

很无奈

很绝情

很伤人

很痛苦

很辛苦

很伤心

很pecek

很想疯

很想吹风

很想散步

很想大喊

很想忘记

很想不记得

很想长大

很想疯的不是人

很想你

很想抱

很想唱歌

很想抱抱

很想要有安全感

害怕黑暗，却很爱黑

爱你，却失去

想拥有，却没有

想哭，没有泪

我的心，破碎

莫名

莫名的心痛

莫名的不开心

莫名的流泪

莫名的哭

莫名的大哭

莫名的大笑

莫名的笑

莫名的生气

莫名的pecek

莫名的习惯

莫名的爱

莫名的霸道

莫名的拥抱

爱上拥抱，因为害怕孤单

喜欢你的味道，因为安全感

因为你而笑，哭

而我几时能为我自己

KLM Charity Tulip Sale

KLM Charity Tulip Sale

KLM Charity Tulip Sale
Date: 7th May 2011 (Saturday)
Time: 11am onwards

Morning all! If you are looking for the perfect gift for Mother's Day, head down to Concourse Level Sungei Wang Plaza as KLM Annual Charity Sale will be selling 3, 800 tulips of different colours. Priced at RM 5 each except for the Black Hero (RM 10).Proceeds will go to the Children's Cancer Fund of Universiti Malaya Medical Center.

很想知道…你在乎的是怎樣的我?

初中时候

不懂化妆

没有发型

眼睛笑起来就不见

偶尔经过年级中漂亮女生的身边

都会闻到一阵淡淡的香味

于是便默默记在心里

遍寻所有的润肤霜

都不见有这样好闻的味道

而现在该是明白了

那是脂粉味

又称女人香

高中毕业

开始学着往眼睛上画第一笔眼线

开始摘掉眼镜、带上隐形

笑起来不再肆无忌惮

走路要挺胸收腹、顾盼生辉

遇见少年时候的朋友

有时也会得到这样那样的评价

“唔…你变美了！”

爽肤水、隔离霜

BB霜、粉底

眼线笔、眼线液

散粉、眼影

睫毛膏、遮瑕膏

腮红、高光、唇彩 …

我知道一定会有妹子喊着

好复杂不懂啊怕麻烦之类

可怕麻烦不代表不向往

这么多工具

若是深悉化妆技巧

再普通的女人也会摇身变成仙女

就像是许多文章里

都会把女生第一次涂口红

第一次穿丝袜作为一个质点

女人天性描眉画黛

我爱那些即便是素颜

也依旧强大自信的女人

虽然嘴上一直喊着

真正的勇士敢于直面自己未化妆的脸

可惜有时手懒

不涂涂抹抹

心里就会觉得缺了些什么

而书上说

你越是在意什么

那便是你心中最为缺少的

假期宅在家里

脂粉不施、素面朝天

有时熬夜上网、打游戏之类

常常憔悴到自己都不想再看镜子第二眼

偏开头去　捂脸

我去！

这是哪来的黄脸婆

忘了什么时候读过的一首诗

记到了现在

当你老了、头白了

睡思昏沉

炉火旁打盹

请取下这部诗歌

慢慢读……

回想你过去眼神的柔和

回想它们昔日浓重的阴影

多少人爱你青春欢畅的时光

爱慕你的美貌

用假意或者真心

只有一个人

爱你那朝圣者般的纯洁灵魂

爱你衰老了的脸上布满的皱纹

垂下头来

在红光闪耀的炉子旁

凄凉地轻轻诉说那爱情的消逝

在头顶的山上它缓缓踱着步子

在一群星星中间隐藏着脸庞

爱情最真如此不过

有时候会想

怎样的才是最真的自己

是用脂粉眼线装扮起来

和朋友聚会逛街的自己

还是窝在床上抱着零食

悉悉索索胡吃海喝的宅女

而你

在乎的又是怎样的我?

若是我换了面目

摒弃现在的身份

独留灵魂

那么

你是否依旧能

从千万人之中将我认出

告诉我再没有第二个你

我们都有不再光鲜不再年轻的一天

当岁月覆盖了面庞

当苍老渐渐来袭

当我们再没有闲情去慢慢描眉

没有时间犹豫该穿哪件衣服、搭配哪双鞋子

那时……

但求我已成为你生命中不可或缺

眼袋垂到胸前

菜色

头发油腻

邋遢的大T

迟早有一天

我们都会以这样的形象

出现在某人眼前

而这样的人

依旧能温柔的笑着

喊你宝贝叫你丫头

那么姐妹

便认真的随他共度一生罢

就像电影里说的：

她可以褪色、可以枯萎

怎样都可以

但我只要看她一眼

万般柔情就涌上心头

累了

累了，就休息下吧，何必把自己逼的那么紧呢；累了，就让自己的心停下吧，它也需要时间去整理；累了，就停下吧，哪怕是驻足拍拍灰尘，让心灵重归洁净；累了，就停下吧，这不是懦弱的逃避，而是自我的释放；累了，就停下吧，哪怕只是轻轻抬头，也许会有更好的风景。

自尊

也许有些人会觉得自尊不重要，
宁愿出卖自尊换取利益也无所谓，
但对我来说，我非常地注重它。
因为它总是撑着我，不让我跌倒，
不管多大的诱惑，多厚重的利益，
我还是会坚持做回自己，绝不轻易把它放下。
它总是让我学会尊重自己，尊重别人。
它给了我一个美好的心态。
它让我活得更像一个人，
而不是一条狗。

Nestle Drumstick Almond Thrill 'What's Yours?' Contest

Nestle Drumstick Almond Thrill 'What's Yours?' Contest 

Participate in the Nestle Drumstick Almond Thrill 'What's Yours?' Contest and stand a chance to walk away with a thrilling adventure of yours worth RM20,000.

This is how you can participate in this contest:

1) Go to the facebook page .

2) Shoot a video in less than 2 minutes depicting a thrilling adventure that you'd like to experience. Be sure to feature any Nestle Drumstick ice-cream in your video.

3) Upload your video onto the contest's Facebook application.

4) Alternatively, you can have your video shot at any of the contest's on-ground events. You will then need to claim your video via the contest Facebook application. 

20 finalists will be selected by a panel of judges and then proceed for public voting. The Grand Prize winner will be selected by the number of votes obtained (50%) and by a panel of judges (50%).

Grand Prize: 1 x A Thrill worth RM20,000

Consolation Prize: 19 x Canon Power Shot 301S

Voters Prize: 30 x Apple iPod Shuffle

Click HERE for more info.

Secret Recipe 'Mother's and Father's Day' Contest

Secret Recipe 'Mother's and Father's Day' Contest

Take part in the Secret Recipe 'Mother's and Father's Day' Contest and you could win your father or mother a cool Apple iPad.

Here's how you can take part in this contest:

1) Purchase a cake or spend at least RM40 for dine-in or take-away 

2) Solve the maze in the contest form.

3) Complete the the slogan "My mother/father deserves an Apple iPad..." in no more than 25 words.

4) Fill in your details, attach the original receipt and submit your entry at any Secret Recipe outlet.

Grand Prize: 10 x Apple iPad 16GB WiFi

Click HERE for more info.