- After School – Bang music video
- 1Malaysia must listen to Perkasa! Forget MCA, MIC, Gerakan and others!!!
- Tembelang Umno BN Didedahkan Kepada Rakyat Hulu Selangor
- G Mail: Detecting suspicious account activity
- Ahli perniagaan maut ditetak di bilik hotel, wanita parah
- 10 Ribu Banjiri Stadium Kuala Kubu Baru
- Singapore’s skilled professionals and graduates are leaving for good?
- BN Terpaksa akur, Berdepan Pilihanraya kecil
- WEEKEND VIEW: Parents Of The Disabled Need More Recognition For Their Role
- Bursa Malaysia Hots Up!
- I admire Dr Zakir Naik
- The bBC airs 'I am a victim' story for mother-in-law of British suicide bomber
- Sex virus spread by oral sex blamed for rise in head and neck cancers
- Stereotype blinds us
- Away to PLKN (Day 47): Foyi Children Camp 2009
- Al-Ghazali fom Wiki
- 1Malaysia: Malays first, performance now - others second, performance later!
- Malaysian Human Rights Commission: People are ignorant about human trafficking
- Bank Negara Malaysia should also protect the interest of the people but not only the car insurance companies
- Chin Lai’s Farewell Gathering at Town Steamboat House
Posted: 27 Mar 2010 08:42 AM PDT
Korean pop group After School have released their latest single Bang on March 25. Music video below [via Afterschoolcraze@Youtube]…
The group seems to be moving back to their initial concept, kinda odd considering their successful transformation in late 2009 with hit song Because of You.
I'll give them props for trying to be different from the current K-pop scene, but the song is just ok for me. The teaser was rather promising but it's disappointing when revealed in full. The girls look hot but nothing much besides that.
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Posted: 27 Mar 2010 08:14 AM PDT
The ex-PM gives a stern reminder to Najib cannot ignore NGOs which are representing the Malays.
Mahathir also reiterated what former minister Azmi Khalid told Malaysiakini prior to the Perkasa's meeting today, which was attended by 4,000 people that the Malays are flocking to Perkasa because Umno had failed to promote and fight for the Malay cause.
Posted: 27 Mar 2010 07:50 AM PDT
Rakyat Hulu Selangor malam semalam didedahkan dengan pelbagai penyelewengan yang selama ini dicuba diselindung pentadbiran kerajaan Umno Barisan Nasional.
Bertempat di Stadium Mini Kuala Kubu Bharu yang dihadiri hampir 10,000 orang, satu persatu tembelang Umno BN dibongkar pimpinan Pakatan Rakyat termasuk tokoh utama, Datuk Seri Anwar Ibrahim
Pimpinan Pakatan Rakyat menyentuh pelbagai isu kepentingan negara, antaranya kehilangan enjin pesawat TUDM, penyelewengan kontrak kapal selam Scorpene, gejala rasuah dan sebagainya.
"Saya, kalau saudara tengok sudah 12 tahun yang dicerca. Sebulan dua ini, panas balik sebab Umno tidak mampu berdepan dengan rakyat. Saya diaib, ditelanjangkan, dipukul, dipenjara, dituduh berbagai-bagai.
"...Khianat negara, pecah belah, guna Agong, guna tentera, semua.. sebut satu kesalahan, Anwar Ibrahim!" cabar Anwar pada ceramahnya kepada pimpinan Umno BN.
Beliau turut memberi gambaran perkembangan politik di negara ini termasuk suasana sebenar yang berlaku dalam sidang Parlimen yang menjadikan beliau sebagai objek sasaran tohmahan.
"Titah di-Raja Yang di-Pertuan Agong, dibahaskan tetapi tidak jadi bahas titah di-Raja. Yang dibahaskan ialah pidato Anwar Ibrahim di Parlimen minggu ini.
"Hari-hari bangun tidur sahaja, orang Umno tidak ada lain, Anwar Ibrahim tidak bagus. Eh, saya kata, tajuk ini titah Agong ke apa? Punya elerginya dia," Anwar menyindir.
Meskipun Anwar dituduh sebagai ejen Yahudi dan ejen Hindu, ironinya kerajaan UMNO-BN yang mengaku memperjuangkan Malaysia sebagai negara Islam sebaliknya menggalakkan perjuadian.
"Islam agama rasmi tapi lesen judi tambah, tak malukah kita? Di Parlimen, ahli-ahli parlimen yang Melayu, Islam, Keadilan, PAS bangkit. Kita menentang Najib tambah lesen judi, Umno diam.
"Yang sokong kita siapa? Cina, termasuk Cina DAP, Anthony Loke. DAP dan Pakatan Rakyat tidak bersetuju beri banyak lesen judi. Dunia sekarang sudah terbalik," hujah Anwar lagi. -TVS
Posted: 27 Mar 2010 06:28 AM PDT
Please read this_
Detecting suspicious account activity Wednesday, March 24, 2010 9:00 AM Posted by Pavni Diwanji, Engineering Director
Posted: 27 Mar 2010 05:42 AM PDT
Seorang ahli perniagaan ditemui mati dengan lima kesan tetakan pada kaki manakala teman wanitanya pula parah akibat diserang ketika tidur dalam sebuah bilik di unit berbulan madu sebuah hotel, di sini awal pagi tadi.
Dalam kejadian kira-kira jam 4.30 pagi itu, Ramli Osman, 40, dari Shah Alam, Selangor mati di tempat kejadian akibat kehilangan banyak darah, manakala teman wanitanya berusia 26 tahun masih dirawat di Hospital Tuanku Jaafar Seremban (HTJS).
Ketua Polis Negeri Sembilan, Datuk Osman Salleh, berkata kejadian disedari kira-kira jam 6 pagi selepas wanita terbabit menghubungi pihak hotel yang kemudian menghantar pengawal keselamatan ke bilik berkenaan.
"Wanita dari Batu Caves, Selangor itu yang cedera pada tangan, paha dan kaki kanan akibat ditetak sempat membuka pintu bagi membolehkan pengawal keselamatan masuk ke bilik berkenaan sebelum rebah tidak sedarkan diri.
"Sepasukan polis yang bergegas ke tempat kejadian menemui ahli perniagaan terbabit yang berseluar pendek dalam keadaan berlumuran darah di atas katil dan sudah meninggal dunia," katanya ketika ditemui di sini.
Katanya, pemeriksaan mendapati mangsa ditetak lima kali menggunakan senjata tajam dipercayai parang pada kaki kanannya, namun polis tidak menemui senjata digunakan dalam kejadian itu.
Beliau berkata, polis juga tidak menemui kesan pecah masuk pada bilik berkenaan dan tidak menolak kemungkinan perbuatan itu dilakukan suspek dikenali mangsa.
Katanya, polis masih menjalankan siasatan mengikut Seksyen 302 Kanun Keseksaan dan sedang meneliti rakaman kamera litar tertutup (CCTV) hotel berkenaan, selain mengambil keterangan beberapa warga Singapura di bilik bersebelahan yang mendakwa mendengar jeritan kira-kira jam 4 pagi.
Osman berkata, polis menolak kemungkinan kejadian itu bermotifkan samun kerana semua barangan berharga milik kedua-dua mangsa tidak dilarikan.
Difahamkan, pasangan terbabit mendaftar masuk di hotel berkenaan petang semalam.
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Posted: 27 Mar 2010 04:54 AM PDT
Hampir 10,000 rakyat pelbagai kaum memenuhi Stadium Mini Kuala Kubu Baru malam semalam bagi mendengar penerangan mengenai kempen Selamatkan Malaysia yang disampaikan pimpinan Pakatan Rakyat termasuk Datuk Seri Anwar Ibrahim.
Kubu Kubu Baru terletak dalam kawasan Parlimen Hulu Selangor yang dimenangi calon Parti Keadilan Rakyat (PKR), Datuk Dr Zainal Abidin Ahmad yang meninggal dunia akibat barah otak, kelmarin.
Kempen itu sebenarnya diatur sebelum pemergian Dr Zainal Abidin yang uzur selepas menang pilihan raya umum ke-12 dan kebetulan berlangsung ketika di ambang pilihan raya kecil.
Selain ucapan takziah kepada Allahyarham, pimpinan Pakatan Rakyat menyentuh isu kepentingan negara, antaranya isu kehilangan enjin pesawat pejuang TUDM, penyelewengan kontrak kapal selam Scorpene, gejala rasuah dan sebagainya.
Ketua Umum PKR, Datuk Seri Anwar Ibrahim; Menteri Besar Selangor, Tan Sri Khalid Ibrahim, Timbalan Presiden PKR, Syed Husin Ali; Naib Presiden PKR, Azmin Ali; Pengarah Strategik PKR, Tian Chua antara yang berucap dalam majlis itu
Selain mereka, Ahli Jawatankuasa Pusat PAS, Dr Hatta Ramli dan Ahli Dewan Undangan Negeri (ADUN) Kampung Tunku, Lau Weng San dari DAP turut menyampaikan ceramah.
Malah, dua aktivis utama Hindraf yang ditahan mengikut Akta Keselamatan Dalam Negeri (ISA) iaitu T Vasanthakumar dan V Ganabatirau juga hadir dalam ceramah tersebut. -TVS
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Posted: 27 Mar 2010 04:42 AM PDT
In Burmese, there is a saying, "Ain har Mha_Ayet Lar" meaning only if the house is peaceful and prosperous, the guests will come.
Burma under British was prosperous, second richest after Japan. Korea, Singapore, Malaysia, Thailand China, India were far behind us.
So Burma was a host country attracting Indians, Chinese and I was even thrilled to see a picture of Japanese Geisha in Rangoon. Japanese ladies are earning by serving Burmese! (I regretted that I failed to buy the book I seen at a book shop last 20 yrs ago.) We employed foreign doctors, engineers, all kind of laborers down to people pulling Rick Shaw and Night Soil collectors.
Burmese looked down on migrants.
Now it is the reversed flow of migration.
Now Myanmar Migrantss are engaged in all kinds of works. Doctors, Professors, Lecturers, Engineers, Shop owners, experts in various fields and up to manual workers, including hawkers, shop owners etc. Some girls are working as GROs but not much.
Now we are looked down by our host countries giving the same reason we had given.
Myanmars are taking their jobs and their women. Worse is most of them never officially married and forcing a lot of locals to do criminal abortions. Even in Malaysia few dozens of Monasteries are set up with monks.
So it is time for the Burmese Buddhists to change their views on Muslims and Migrants. New Mosques must be allowed to build and old ones must be allowed to renovate.
It is the time for mutual tolerance and respect.
Even as Singapore continues to attract expatriates from all over the world, its home-grown skilled professionals and graduates are leaving for bigger nations at a worrying rate.
WHILE Singapore is busy attracting talents from abroad, some 4,500 of its own better-educated citizens may be heading for New Zealand.
This is the other side of the immigration coin that is costing Singapore more dearly in skill losses than larger nations that are losing talents to it.
In a period of just six weeks, New Zealand has succeeded in luring this large number of Singaporeans to sign up to work or settle down there.
Such a large number has come as a surprise for two reasons. One is that the New Zealand is not even a top choice and, secondly, Singapore is said to be recovering from the economic crisis.
"Yet it has got 4,500 Singaporeans to sign up. Imagine what the response would have been had it been offered by Australia or Britain?" a company executive commented.
The under-populated Pacific country with more sheep than people had launched a global drive in January to attract more foreigners to work, study or settle down there.
Between end-January and mid-March, some 4,500 Singaporeans had registered – a whooping 78% of the total world responses. This is roughly 12% of the 39,000 babies born here annually.
It does not necessarily mean that all will go, let alone be given PR there, but even if the majority does, the loss to this small city will be substantial.
The outflow of people has long upset leaders like its founding leader Lee Kuan Yew, who once openly wept when he spoke about the subject.
Some 1,000 of Singapore's highly-educated youths are giving up their citizenship every year to settle elsewhere.
In addition, about 1,000 Singaporeans a month have been applying for a Certificate of No Criminal Conviction, which is a prerequisite to getting PR overseas.
In 2002, Singapore was ranked as having the second highest migration rate in the world (next to East Timor) – 26.11 migrants per 1,000 citizens.
This would have meant that some 20,640 of its 3 million people were emigrating at the time, an informed source estimated.
(As a percentage this figure would have dropped significantly because of the large foreign intake pushing the population to five million.)
While hundreds of thousands of foreigners are making a beeline for Singapore – Southeast Asia's richest city – an opposite flow is also happening.
It is losing its skilled professionals and graduates – a declining force that has undergone military training to defend the nation – to bigger nations at a worrying rate.
The New Zealand blow is particularly heavy because, until now, it has relatively limited appeal for Singaporeans compared with Australia, Britain, Canada or the US.
Its economic growth is lower and so are job opportunities, yet we are facing a possible deluge.
For example, only 114 Singaporeans went as permanent residency (PR), and 245 had permits to work in New Zealand last year. Total PRs in the past 10 years was 2,484.
For many years, the republic has been trumpeting its success in attracting skilled foreigners.
Less heralded compared to its immigration success is its own brain drain.
As I was writing this, a news headline read: "Singapore retains its top spot for Asian expats to live in."
It is apparently a game others are playing just as effectively.
A New Zealand government message beamed here says: "We are looking for young Singaporeans interested in the challenge, experiences and fun of living in a country that offers you brilliant work and study experiences plus a relaxed lifestyle!"
It offers people a nine-to-five working day, four weeks of paid leave a year, and cheaper housing, things that are attractive to people here.
It is not alone. Canada has also been head-hunting Singaporeans with some success.
Some 26,100 Singaporeans have applied for economic visa, for skilled workers and business class, Canada announced. The family category is excluded, but is estimated to number another 40,000.
About 150,000 Singaporeans are today studying or living overseas, according to officials.
Last year, 2,703 Singaporeans emigrated to Australia, and about 1,000 each to Canada and the US, according to news reports. More than 10,000 Singaporeans are living in Hong Kong.
The future can expect no let-down. Almost one in four top students in Singapore end up working overseas, said Prime Minister Lee Hsien Loong.
A recent survey of teenagers said 53% would want to move abroad if they had the chance.
There is hardly a middle class family that does not know someone who has emigrated.
One blogger wrote recently: "I have had friends leaving Singapore over the years but last week was the first time I had to say farewell to two who are going off for good – one for New Zealand, the other for Australia."
Some Malaysians are puzzled by this phenomenon. "Singapore is one of the most competitive economies in the world and it strives constantly to be a great global city with gleaming towers …," one said.
"It is a great city to work in and is attracting expatriates from all over the globe," he said.
"Yet many of its own youths are abandoning it."
Critics say there are several reasons for the exodus, including high stress level, a high cost of living (one of the world's 10 most expensive cities), over-crowdedness and too much government control.
Singapore is losing the flower of its youth. Many who are seeking opportunities abroad are young people.
"Some of my young friends have left.
"They go early because they fear that once they hit 40, their chances of being accepted by a developed country may drop," a surfer said.
Posted: 27 Mar 2010 03:44 AM PDT
Barisan Nasional terpaksa juga akur dan perlu berdepan dengan pilihanraya kecil walau telah berulang kali mengelakkan dari pilihanraya kecil sebelum ini.
Menurut Ahli Majlis Pimpinan Tertinggi (MPT) PKR, Badrul Hisham Shaharin, BN hanya gah di media arus perdana, buktinya banyak pilihanraya kecil yang Bn harus hadapi tetapi dielakkan sebaik mungkin.
"Contohnya Pilihanraya di Perak, Pilihanraya Kecil Kota Seputih, Kedah dan terbaru Pilihanraya Titi Tinggi di Perlis.
"Namun kali ini tidak dapat dielakkan ekoran Ahli Parlimen PKR Hulu Selangor, Datuk Dr Zainal Abidin Ahmad meninggal dunia selepas mengalami barah otak sejak sekian lama," kata Badrul dalam blognya.
Menurut Badrul, berdasarkan logik akal permainan sentimen Ketuanan Melayu sudah hampir pasti kerusi Hulu Selangor ini akan ditandingi oleh Umno.
"Itupun jika Umno tidak hipokrit dengan sentimen ketuanan Melayunya. Ini kerana mana mungkin atas nama ketuanan Melayu Umno kerusi tersebut yang majoriti pecahan pengundinya Melayu diserahkan oleh 'geng ketuanan Melayu' kepada kaum lain," jelas Badrul dalam blognya.
Untuk rekod, pecahan peratusan pengundi Hulu Selangor ialah 53.9 peratus Melayu, 26.7 peratus Cina, 19 peratus India dan 0.4 peratus lain-lain kaum.
"kalau ikut pecahan kaum jika tidak meletakkan Umno maka Mca yang paling layak bertanding.
"Meletakan calon bagi BN, amat rumit kerana ini akan membuktikan 'belang hipokrit' sebenar Umno BN. Nak jaga undi India di seluruh negara maka kena letak calon India tetapi berdepan dengan kekalahan dan maka terbukti juga perjuangan ketuanan Melayu hanya retorik kerana menghantar calon bukan Melayu di kerusi majoriti Melayu pengundinya," kata Badrul lagi.
Badrul berkata, begitulah konflik bakal berlaku kerana mereka bermain dalam trek perkauman sempit.
"Namun bagi Pakatan Rakyat tidak susah meletakkan calon ini kerana kerusi itu bukan milik kuota mana - mana kaum tetapi calon bakal dipilih berdasarkan 'kopitensi' individu memberikan khidmat kepada rakyat dan faktor kemenangan yang wujud," jelas beliau.
Terdahulu, Allahyarham Datuk Dr Zainal Abidin Ahmad menghembuskan nafasnya yang terakhir semalam di rumahnya dekat Jalan Cheras, Kajang.
Beliau yang juga merupakan bekas Timbalan Menteri Besar Selangor di zaman BN meninggal ketika berumur 71 tahun dan meninggalkan seorang balu iaitu Datin Zaharah Mohd Zin serta empat orang anak.
Zainal Abidin menang dalam pilihan raya lalu atas tiket PKR di kerusi Parlimen Hulu Selangor selepas mengalahkan calon BN dari dari MIC, P Palanivel dengan hanya 198 undi.
Dengan kematian ini bermakna pilihan raya kecil ke 10 akan diadakan dalam masa 60 hari. -erapakatan
Posted: 27 Mar 2010 03:00 AM PDT
TWO TERRIFIC events took place last week. They possess marvellous ramifications for the rights of people with disabilities in our society.
The first transpired at a community hall in section three in the south of Petaling Jaya.
A group of people numbering nearly a hundred – mostly parents and caregivers of the handicapped – attended a half-day forum on Saturday on how to be more effective in
Posted: 27 Mar 2010 02:22 AM PDT
Bursa Malaysia is hotting up! Yesterday's trading closed with a volume of 1.2 billion shares. That is a good indication of heightened trading heat.
Next week appears to be exciting, if you are in the market.
CENTURY, KINSTEL, KNM, PERWAJA and ANNJOO-WB are some of the interesting picks for some attention.
Have a nice weekend!
Posted: 27 Mar 2010 02:12 AM PDT
I was born in the city started with M.
I attended St. Peter's High School.
I studied Medicine and got the M.B.,B.S. degree from University of M. (Earlier name IMM).
In 1991 was working in the field of Da'wah in PERKIM.
I was inspired by the late Ahmed Deedat.
I had written about the similarities between religions, and how should we work on the common ground between them.
I am not a scholar but sometimes wrote about Islam without authority or any knowledge to do so, which may be regarded as dangerous to Islam. Yes I am not a qualified Aalim of deen and ready to admit my Islamic knowledge is like a preschool's standard as I am lack of fiqh and understanding of Shairah. I know I should consult with Ulama in his endeavor of propagating deen.
But I am just writing my basic concepts, understandings and rudimentary knowledge of the various faith to propagate better understanding of different races to get harmonious and peaceful co-existence.
My friends, are you wondering why I am writing the above?
See below for the similarities with this great man, Dr Zakir Naik. But I am sure my knowledge, wisdom, brain, memory, communicating skills and all other abilities are not even worth to compare with this GREAT MAN. I am even sad that my status would be no more than a dust under his foot.
Read about him from Wikipedia_
He attended St. Peter's High School (ICSE) in the city of Mumbai.
In 1991 he started working in the field of Da'wah..
Zakir Abdul Karim Naik (Urdu: ذاکر عبدالکریم نائیک, Hindi: ज़ाकिर अब्दुल करीम नायक; born 18 October 1965) is a Muslim apologist,public speaker, and writer on the subject of Islam and other comparative religion. Naik is a medical doctor by profession, having attained a Bachelor of Medicine and Surgery (MBBS) from Maharashtra. 
Naik was born in Mumbai, India. He attended St. Peter's High School (ICSE) in the city of Mumbai. Later he joined the Kishinchand Chellaram College and then studied medicine at Topiwala National Medical College and Nair Hospital in his native city and received his MBBS degree from the University of Mumbai. In 1991 he started working in the field of Da'wah.
Naik says he was inspired by the late Ahmed Deedat, who had himself been active in the field of Da'wah for more than 40 years.  According to Naik, his goal is to "concentrate on the educated Muslim youth who have become apologetic about their own religion and have started to feel the religion is outdated", He considers it is the duty of every Muslim to remove perceived misconceptions about Islam to counter, what he considers as the Western media's anti-Islamic bias in the aftermath of September 11, 2001 terrorist attacks upon the United States. He has lectured and authored several books on Islam and comparative religion, as well as those directed towards removing misconceptions about Islam. Some of his articles are also published in Indian magazines like the Islamic Voice.
Anthropologist Thomas Blom Hansen has written that Naik's style of memorizing the Qur'an and hadith literature in various languages and related missionary activity has made him extremely popular in Muslim and non-Muslim circles.
Many of his debates are recorded and widely distributed in video and DVD media as well as online. His talks are usually recorded in English, to be broadcast at weekends on several cable networks in Mumbai's Muslim neighborhoods, and on the channel Peace TV, which he co-promotes. Topics he speaks on include: "Islam and Modern Science", "Islam and Christianity", and "Islam and secularism".
In an issue of Indian Express dated 22 February 2009, in a list of "100 Most Powerful Indians in 2009" Naik was ranked #82. In the special list of the "Top 10 Spiritual Gurus of India" Naik was ranked #3, after Baba Ramdev and Sri Sri Ravi Shankar, and was the only Muslim on that list.
Lectures and debates
Naik has held many debates and lectures around the world as well as in Mumbai, India. One of Naik's debates took place in Chicago in April, 2000 featuring Dr. William Campbell of Pennsylvania, USA on the topic "The Qur'an and the Bible: In the Light of Science".
Delivering a lecture titled Why Westerners embrace Islam in November 2002 at King Fahd Hospital auditorium in Jeddah, Naik argued that Islam offers practical solutions to various problems facing the West such as adultery, alcoholism, and filial ingratitude.
Naik also stated that "despite the strident anti-Islam campaign, 34,000 Americans have embraced Islam from September 2001 to July 2002." He cited an article by Edward Said published in the Time Magazine, which said that 60,000 books about Islam and the Orient have been written between 1800 and 1950 alone.
In 2004, Naik visited New Zealand and then the Australian capital at the invitation of Islamic Information and Services Network of Australasia. At his conference in Melbourne, journalist Sushi Das commented that "Naik extolled the moral and spiritual superiority of Islam and lampooned other faiths and the West in general", adding that Naik's words "fostered a spirit of separateness and reinforced prejudice".
In the lecture at Melbourne University, Naik argued that only Islam gave women true equality. He stressed the importance of the headscarf by arguing that the more "revealing Western dress" makes women more susceptible to rape.
On 21 January 2006, Naik held an inter-religious dialogue with Sri Sri Ravi Shankar. The event was about the concept of God in Islam and Hinduism, the aim being to bring understanding between the two major religions of India, and at best to point out the commonalities between both Islam and Hinduism, such as how idolatry is prohibited. It was held in Bangalore, India with up to 50,000 attending at the Palace Grounds.
On 7th March, 2010 Zakir Naik also claimed on NDTV that he doubts the existence of Osama bin Laden and that he doesn't think the Taliban is a terrorist organization as has been claimed by mainstream media because he hasn't seen any proof on either matter with his own eyes. He was also skeptical of the widely held belief that Taliban suppressed women. Zakir Naik on NDTV
Every year, since November 2007, Naik leads a 10-day "Peace Conference" at Somaiya Ground, Sion, Mumbai. Lectures on Islam were presented by Naik as well as twenty other Islamic scholars from around the world. Another prominent personality was the Malaysian politician, Anwar Ibrahim in 2008.
During one of the lectures at the Peace Conference, Naik provoked anger among members of the Shia community, when he mentioned the words "Radiallah ta'la anho" (meaning 'May Allah be pleased with him') after mentioning the name of Yazid I and made remarks that the battle of Karbala was political. Others, however, believed the comment was blown out of proportion.
In November 2009, the IRF organized a 10-day international Islamic conference and exhibition titled 'Peace – the solution for humanity' at the Somaiya grounds in Mumbai. Lectures on Islam were presented by Naik as well as thirty other Islamic scholars from around the world.
In 2007, the Saudi Publishing house, Dar-us-Salam Publications, published two titles written by Naik, entitled "The Concept of God in Major Religions" and "The Qur'an & Modern Science: Compatible or Incompatible?".
On the issue of the theory of evolution, Naik commented that it contradicts Islam since it remains "just a theory and not a fact". (Source from video of Debate between Dr. William Camphell and Dr. Zakir Naik) Political Analyst Khaled Ahmed argues that, Naik, through his claims of Islam's superiority over other religious faiths, practices, what he calls reverse Orientalism.
Referring to Naik's conference in Melbourne, journalist Sushi Das remarked, "Naik extolled the moral and spiritual superiority of Islam and lampooned other faiths and the West in general", adding that Naik's words "fostered a spirit of separateness and reinforced prejudice".
In August 2006, Naik's visit and conference in Cardiff (UK) were the object of controversy, when Welsh MP David Davies called for his appearance to be cancelled. He argued that Naik as a 'hate-monger', and said his views did not deserve a 'public platform'; Muslims from Cardiff, however, defended Naik's right to speak in their city. Saleem Kidwai, Secretary General of the Muslim Council of Wales, disagreed with Davies, stating that "people who know about him (Naik) know that he is one of the most uncontroversial persons you could find. He talks about the similarities between religions, and how should we work on the common ground between them", whilst also inviting Davies to discuss further with Naik personally in the conference. The conference went ahead, after the Cardiff council stated it was satisfied that he would not be preaching extremist views.
Khushwant Singh, a prominent Indian journalist, politician and author argues that Naik's pronouncements are "juvenile" and said that "they seldom rise above the level of undergraduate college debates, where contestants vie with each other to score brownie points".
Lucknow based cleric Kalbe Jawad argued that "Naik is bringing a bad name to Muslims. Such people should be condemned and socially boycotted" and claimed that Naik was being financed by the Wahabi sect that supposedly perpetrates violence in the name of Islam and expressed the need for an inquiry into, how Naik was running a TV channel on his own and where he received the funds from. Another Lucknow based cleric Naib Imam Maulana Khalid Rasheed Firangi Mahali claimed that Naik has "mugged up some verses from the Koran and pretends to be an Islamic scholar".
Naik has also been criticized by some scholars and some Muslims over his stance that apostates of Islam should be put to death. Naik justifies this opinion by comparing it to death penalties meted out to national traitors (army generals who defect being the example cited) and proclaims that apostates fall into the same category.
The Shariah Board of America has also issued more than 20 fatwa's against Naik on their website. They believe Naik has gone astray, as he is not a scholar and issues Islamic teachings without authority or any knowledge to do so, which is dangerous to Islam; "Naik is known for discussions on comparative religions. He is not a qualified Aalim of deen. His comments on fiqh have no merit. If it is true that he condemned the fiqh of the Imams, then that in itself is a clear indication of his lack of fiqh and understanding of Shairah. We have come across a fatwa from Darul Ifta Jamia Binnoria, Pakistan regarding Zakir Naik not being a certified Aalim of Deen. He should consult with Ulama in his endeavor of propagating deen."
In November 2008 the Lucknow based cleric Abul Irfan Mian Firangi Mahali issued a fatwa against Naik, describing Naik as a "Kafir" (non-believer) and stating in the fatwa, that Naik should be ex-communicated from Islam. He claimed that "Naik is not an Islamic scholar. His teachings are against the Koran. In his speeches, he insults Allah and glorifies Yazeed, the killer of Imam Hussain" and that Naik had supported Laden and called upon all Muslims to become terrorists. Naik, however, said that his speeches were misquoted and that he was allegedly targeted by people with vested interests and said of the fatwa "fatwas mean nothing. They should also issue fatwas against Imam Bukhari. Some clerics who have limited understanding of Islam are doing these things. It doesn't affect me". The All-India Sunni Board and Sheikh Abdul Qadir Jilani Foundation have also defended Naik.
Zakir Naik was critized in a TV debate on the show We The People. 
Posted: 27 Mar 2010 01:48 AM PDT
(UK) In 2005, 4 f-ing stupid terrorists, or as the bBC deemed them at the time, 'Misguided criminals' decided to take their anger out by blowing themselves up in the London underground.
Well, it seems that the bBC feels that the real victim of this whole story weren't those who died or were maimed that day. No, according to the bBC the real victim is the mother-in-law of the ring leader of that home grown terrorist group, and today they allow her to vent her spleen.
Read how Farida Patel, from Dewsbury, told an anti-racism conference in Bradford how police searched her family's homes. Yes folks, nothing about feeling sorry for the people who died or how angry she felt that the father of her grandchildren murdered so many innocent people. The bBC has to highlight how she spoke at an anti-racist conference, thus implying that maybe, just maybe, there was little actual substance behind that suicide bombing.
Then read how the bBC reveals how her life "came falling down" when armed police knocked on her door. Not because her son-in-law was behind the murder of so many people but because armed police knocked on her door. Then cry how the community activist said she later sold her home because pictures of the house and its address had been printed in newspapers and shown on television, and she no longer felt safe there.
What is it with the bBC and championing the cause of the families of terrorists? You'd think that the plastic Muslims at the bBC would report the news from the real victims and not a family member of a suicide bomber behind 52 deaths. Hat tip: Eye On The World
Posted: 27 Mar 2010 01:25 AM PDT
LONDON, March 26 — The number of serious head and neck cancers linked to a virus spread by oral sex is rising rapidly and suggests boys as well as girls should be offered protection through vaccination, doctors said today.
Despite an overall slight decline in most head and neck cancers in recent years, cases of a particular form called oropharyngeal squamous cell carcinoma (OSCC) have increased sharply, particularly in the developed world.
This growth seems to be linked to cancers caused by the human papillomavirus (HPV), the scientists said in a report in the British Medical Journal.
Two vaccines — Cervarix, made by GlaxoSmithKline, and Gardasil, made by Merck & Co — can prevent HPV, which causes virtually all cases of cervical cancer, the second most common cancer in women worldwide.
Many rich nations have launched HPV immunisation programmes for girls to try to protect them from the common sexually transmitted virus before they become sexually active.
The scientists, led by Hisham Mehanna of the Institute of Head and Neck Studies at Britain's University Hospital Coventry, said that while including boys in immunisation plans was previously seen as too expensive, it may be time to look again.
"We need to look at the evidence again to re-evaluate the cost-effectiveness of male children in light of this new and rapidly rising incidence," he said in a telephone interview.
More than 500,000 cases of cervical cancer are diagnosed annually in women and it kills around 200,000 a year. Head and neck cancer is the sixth most common cancer among men and women, with about 640,000 new cases each year worldwide.
A recent study found the risk of developing oropharyngeal carcinoma was linked to a history of six or more lifetime sexual partners, four or more lifetime oral sex partners, and, for men, an earlier age at first sexual intercourse.
"Sexual transmission of HPV — primarily through orogenital intercourse — might be the reason for the increase in incidence of HPV related oropharyngeal carcinoma," wrote Mehanna.
The experts pointed to recent studies which showed a 70 per cent increase in the detection of HPV in biopsies taken to diagnose oropharyngeal carcinoma in Stockholm since the 1970s.
HPV-related cancer was also reported in 60 to 80 per cent of recent biopsy samples in studies in the United States, compared with 40 per cent in the previous decade, they wrote.
Mehanna said the findings had other important health implications. Patients with HPV-related head and neck cancers are typically younger and employed, he said, and because their tumours appear to be less deadly than those caused by factors like smoking and drinking, patients may also live longer with the physical and psychological effects of treatment.
"This means they would need prolonged support from health, social, and other services, and may require help in returning to work," he wrote. — Reuters
Posted: 27 Mar 2010 12:18 AM PDT
The Amazing Story of Zeitoun
Abdulrahman Zeitoun is the real-life hero of Dave Eggers's new book. In the aftermath of hurricane Katrina he paddled from house to house in a canoe, offering help to his neighbours. For his trouble, he was arrested as a suspected terrorist
That, is the nature of the world. We stereotype people by race, by religion, by culture, by where they come from, by skin colour... And look what it has done to this poor man who did nothing but help those in need during the hurricane.
Posted: 26 Mar 2010 11:55 PM PDT
This is a very late post, I didn't think of posting it up but since I am in NS right now, I'll share something up on my blog. On last December, 2009, I attended 3D2N children camp organized by Foyi, a Buddhist society. The camp is also Buddhism-related. Foyi collaborated with Leo Club of Chung Ling High School to make this camp and it's already 11th camp already.
I was there too in 2008.
Actually I didn't sign up as helper or in their committee. I went there voluntary, it happened on the weekend before last SPM paper, Chinese. I was playful and didn't want to spent so much time reading and by that time, I already didn't have much feel for reading already, so I went to check out their camp, volunteer help for them. Haha. Is that the reason of me getting C for Chinese? I don't think so. LOL
Since I didn't tell them I would be there, they didn't expect me to come and help, and so there's no name tag and cert for me. But that's OK, I made myself a tag at there with marker pen and I gave myself a post as 校长, Principal. LOL. It's just for fun but I was in one of the group too, as helper, caretaker, teacher, taking care of the kids. The year before, I was MC, so I didn't join in much fun with the group, but I decided to have a change this year. They did ask me to be MC again, but I rejected, because I've no feel for it and I couldn't be there all the time.
I went there morning and went home at night. I didn't overnight at there. There's only 2 Form 5 people, me and Min Xiang, others were just preparing for SPM Chinese paper I guess. They had a lot of fun games, learning, performances, talks and many many thing.
First day, I didn't stay long. I only really start helping out on the second day, helping Crystal, Jin Sheng and Kitsuki Yeoh, my team's other helpers. =D
When I arrived on the second days, they had already started playing games. Games was a little bit same as the year before, but there's something different too. Most interesting was still splashing water to each other. I have no idea why children/youth camp love water so much.
What they did on the second day is playing games and preparing for night's performance. There's a performance show at night and parents of kids were invited to come see. We had to prepare either a dance or a sketch to promote something, an item, then will let people to guess what we were promoting. It's like making an advertisement.
As for my group, we did a dance to promote towel and I choreographed part of the dance. Since then, I only knew that dancing and choreographing is so hard.
Another show for the night was fashion show which was about making something cool out of newspaper. Some of the helpers had already prepared water color and blings blings for it. I only knew about it that afternoon, if I had knew it earlier, I would brought more thing for my team. =D
Everyone was busy that afternoon. I was choreographing the dance in a short time. Fun and tired! One things, all meals for the 3 days were vegetarian! Not bad also I would say. ^^
Stay tune, next would be the night performance.
Posted: 26 Mar 2010 11:21 PM PDT
As I was a Demonstrator (now called Assistant Lecturer) in Anatomy at Institute of Medicine Mandalay (now renamed as Mandalay Medical University) I am so delighted to read Imam Ghazali's concepts about dissecting the death bodies to learn Anatomy and Medicine.I first started to hear Imam Ghazal's name when TAAB made his first speech about Islam Had Hari (sorry, I just want to made my boring posting lighter.) I thought why he was referring to the former Home Minister of Malaysia. After that only I searched and learnt about the great Imam Ghazali and knew that TAAB was not referring to the 'King Gaz' of Malaysia.
When TAAB give lectures about his kind of Islam to Non Muslims outside Malaysia: in Australia Germany and other places, I even made a gist about his concept and wrote to TAAB to include Burmese Muslims and Rohingyas in Malaysia. No reply. Judging from his policies against us, may be, I think he just fall asleep while reading my boring letter. Thank You, TDM, Tunku Abdul Rahman and DSNTR for not ignoring us like him.
Biology and Medicine
Ghazali's writings are believed to have been a source of encouragement for the study of medicine in medieval Islam, particularly anatomy. In The Revival of the Religious Sciences, he classed medicine as one of the praiseworthy (mahmud) secular sciences, in contrast to astrology which he considered blameworthy (madhmutn). In his discourse on meditation (tafakkur), he devoted a number of pages to a fairly detailed anatomical exposition of the parts of the human body, advocating such study as a suitable subject for contemplation and drawing nearer to God."
In The Deliverer from Error, Ghazali made a strong statement in support of anatomy and dissection:
His support for the study of anatomy and dissection was influential in the rise of anatomy and dissections carried out among Muslim physicians in the 12th and 13th centuries, by the likes of Ibn Zuhr and Ibn al-Nafis, among others. Ibn Rushd, a critic of Ghazali, also agreed with him on the issue of dissection.
Abū Ḥāmid Muḥammad ibn Muḥammad al-Ghazālī, (1058–1111) (Persian/Arabic:ابو حامد محمد ابن محمد الغزالی), often Algazel in English, was born and died in Tus, in the Khorasan province of Persia. He was an Islamic theologian, jurist, philosopher, cosmologist, psychologist and mystic of Persian origin, and remains one of the most celebrated scholars in the history of Sunni Islamic thought. He is considered a pioneer of methodic doubt and skepticism, and in one of his major works, The Incoherence of the Philosophers, he changed the course of early Islamic philosophy, shifting it away from an Islamic metaphysics influenced by ancient Greek and Hellenistic philosophy, and towards an Islamic philosophy based on cause-and-effect that was determined by God or intermediate angels, a theory now known as occasionalism.
Ghazali has sometimes been acclaimed by secular historians such as William Montgomery Watt to be the greatest Muslim after Muhammad  (traditionally among Muslims, the greatest Muslims after the Prophet, according to authentic hadith, is the generation of his contemporaries). Besides his work that successfully changed the course of Islamic philosophy—the early Islamic Neoplatonism developed on the grounds of Hellenistic philosophy, for example, was so successfully refuted by Ghazali that it never recovered—he also brought the orthodox Islam of his time in close contact with Sufism. The orthodox theologians still went their own way, and so did the mystics, but both developed a sense of mutual appreciation which ensured that no sweeping condemnation could be made by one for the practices of the other.
In Islamic psychology and Sufi psychology, Ghazali discussed the concept of the self and the causes of its misery and happiness. He described the self using four terms: Qalb (heart), Ruh (spirit), Nafs (soul) and 'Aql (intellect). He stated that "the self has an inherent yearning for an ideal, which it strives to realize and it is endowed with qualities to help realize it." He further stated that the self has motor and sensory motives for fulfilling its bodily needs. He wrote that the motor motives comprise of propensities and impulses, and further divided the propensities into two types: appetite and anger. He wrote that appetite urges hunger, thirst, and sexual craving, while anger takes the form of rage, indignation and revenge. He further wrote that impulse resides in the muscles, nerves, and tissues, and moves the organs to "fulfill the propensities."
Ghazali was one of the first to divide the sensory motives (apprehension) into five external senses (the classical senses of hearing, sight, smell, taste and touch) and five internal senses: common sense (Hiss Mushtarik) which synthesizes sensuous impressions carried to the brain while giving meaning to them; imagination (Takhayyul) which enables someone to retain mental images from experience; reflection (Tafakkur) which brings together relevant thoughts and associates or dissociates them as it considers fit but has no power to create anything new which is not already present in the mind; recollection (Tadhakkur) which remembers the outer form of objects in memory and recollects the meaning; and the memory (Hafiza) where impressions received through the senses are stored. He wrote that, while the external senses occur through specific organs, the internal senses are located in different regions of the brain, and discovered that the memory is located in the hinder lobe, imagination is located in the frontal lobe, and reflection is located in the middle folds of the brain. He stated that these inner senses allow people to predict future situations based on what they learn from past experiences.
In The Revival of Religious Sciences, he wrote that the five internal senses are found in both humans and animals. In Mizan al Amal, however, he later stated that animals "do not possess a well-developed reflective power" and argued that animals mostly think in terms of "pictorial ideas in a simple way and are incapable of complex association and dissociation of abstract ideas involved in reflection." He wrote that "the self carries two additional qualities, which distinguishes man from animals enabling man to attain spiritual perfection", which are 'Aql (intellect) and Irada (will). He argued that the intellect is "the fundamental rational faculty, which enables man to generalize and form concepts and gain knowledge." He also argued that human will and animal will are both different. He wrote that human will is "conditioned by the intellect" while animal will is "conditioned by anger and appetite" and that "all these powers control and regulate the body." He further wrote that the Qalb (heart) "controls and rules over them" and that it has six powers: appetite, anger, impulse, apprehension, intellect, and will. He stated that humans have all six of these traits, while animals only have three (appetite, anger, and impulse). This was in contrast to other ancient and medieval thinkers such as Aristotle, Avicenna, Roger Bacon and Thomas Aquinas who all believed that animals cannot become angry.
Ghazali wrote that knowledge can either be innate or acquired. He divided innate knowledge into phenomenal, (material world) and spiritual (related to God and soul), and divided acquired knowledge into imitation, logical reasoning, contemplation and intuition. He also argued that there are four elements in human nature: the sage (intellect and reason), the pig (lust and gluttony), the dog (anger), and the devil(brutality). He argued that the latter three elements are in conflict with the former element and that "different people have such powers in different proportions."
Ghazali divided the Nafs into three categories based on the Qur'an: Nafs Ammarah(12:53) which "exhorts one to freely indulge in gratifying passions and instigates to do evil", Nafs Lawammah (75:2) which is "the conscience that directs man towards right or wrong", and Nafs Mutmainnah (89:27) which is "a self that reaches the ultimate peace." As an analogy between psychology and politics, he compared the soul to that of a king running a kingdom, arguing that the bodily organs are like the artisans and workers, intellect is like a wise vizier, desire is like a wicked servant, and anger is like the police force. He argued that a king can correctly run the state of affairs by turning to the wise vizier, turns away from the wicked servant, and regulating the workers and the police; and that in the same way, the soul is balanced if it "keeps anger under control and makes the intellect dominate desire." He argued that for a soul to reach perfection, it needs to evolve through several stages: sensuous (like a moth which has no memory), imaginative (lower animal), instinctive (higher animal), rational ("transcends animal stage and apprehends objects beyond the scope of his senses") and divine ("apprehends reality of spiritual things").
He stated that there are two types of diseases: physical and spiritual. He considered the latter to be more dangerous, resulting from "ignorance and deviation from God", and listed the spiritual diseases as: self-centeredness; addiction to wealth, fame and social status; and ignorance, cowardice, cruelty, lust, waswas (doubt), malevolence, calumny, envy, deception, and greed. To overcome these spiritual weaknesses, Ghazali suggested the therapy of opposites ("use of imagination in pursuing the opposite"), such as ignorance & learning, or hate & love. He described the personality as an "integration of spiritual and bodily forces" and believed that "closeness to God is equivalent to normality whereas distance from God leads to abnormality."
Ghazali argued that human beings occupy a position "midway between animals and angels and his distinguishing quality is knowledge." He argues that a human can either rise to "the level of the angels with the help of knowledge" or fall to "the levels of animals by letting his anger and lust dominate him." He also argued that Ilm al-Batin (esotericism) is fard (incumbent) and advised Tazkiya Nafs (self-purification). He also noted that "good conduct can only develop from within and does not need total destruction of natural propensities."
Ghazali played a very major role in integrating Sufism with Islamic law (Sharia). He combined the concepts of Sufism very well with the Shariah laws. He was also the first to present a formal description of Sufism in his works. His works also strengthened the status of Sunni Islam against other schools. The Batinite (Ismailism) had emerged in Persian territories and were gaining more and more power during Ghazali's period, as Nizam al-Mulk was assassinated by the members of Ismailis. Ghazali strictly refuted their ideology and wrote several books on refutation of Baatinyas which significantly weakened their status.
Ijtihad is the process through which Islamic scholars can generate new rules for Muslims. Ijtihad was one of the recognized sources of Islamic knowledge by early Islamic scholars – that is, in addition to Quran, Sunnah and Qiyas. While it is not widely agreed that Ghazali himself intended to "shut the door of ijtihad" completely and permanently, such an interpretation of Ghazali's work is believed to have led Islamic societies to be "frozen in time". Works of critics of Ghazali (such as Ibn Rushd, a rationalist), as well as the works of any ancient philosopher, are believed to have been forbidden in these "frozen societies" through the centuries. As a result, all chances were lost to gradually revitalize religion – which may have been less painful had it been spread over a period of centuries.
Whether the actual outcome of "freezing Islamic thinking in time" was the goal of Ghazali is highly debatable. While he himself was a critic of the philosophers, Ghazali was a master in the art of philosophy and had immensely studied the field. After such a long education in philosophy, as well as a long process of reflection, he had criticized the philosophical method. But only taking Ghazali's final conclusions, while lacking a comparable education (and a reflection process) in the area, and as a result being unable to trace Ghazali in his thought process, only exacerbates the probability of the misuse of Ghazali's conclusions.
This traditional view, however, has been disputed by recent scholarship, which has shown that scientific and philosophical activity continued to flourish in the Islamic world long after him. For example, Dimitri Gutas and the Stanford Encyclopedia of Philosophy consider the period between the 11th and 14th centuries to be the "Golden Age" of Arabic and Islamic philosophy, initiated by Ghazali's successful integration of logic into the Islamic seminary Madrasah curriculum. Emilie Savage-Smith has also shown that Ghazali was a source of encouragement for the study of medicine in medieval Islam, and that his support for the study of anatomy was influential in the rise of dissections carried out among Muslim physicians in the 12th and 13th centuries.
Margaret Smith writes in her book Al-Ghazali: The Mystic (London 1944): "There can be no doubt that Ghazali's works would be among the first to attract the attention of these European scholars" (page 220). Then she emphasizes,
Ghazali's influence has been compared to the works of Thomas Aquinas in Christian theology, but the two differed greatly in methods and beliefs. Whereas Ghazali rejected Greek metaphysical philosophers such as Aristotle and saw it fit to refute their metaphysical teachings on the basis of their "irrationality", Aquinas embraced non-Christian philosophers and incorporated ancient Greek, Latin and Islamic thought into his own philosophical writings.
A scholar has noted the similarities between Descartes' Discourse on Method and Ghazali's work, but stops short of arguing that Ghazali influenced Descartes lacking any evidence for this. The writer George Henry Lewes goes even further by claiming that "had any translation of it [The Revival of Religious Sciences] in the days of Descartes existed, every one have cried out against the plagiarism."
Posted: 27 Mar 2010 12:51 AM PDT
Umno-appointed prime minister of Malaysia of 22 years, Dr M, said this at the launch of Perkasa today:
Umno-appointed PM, Najib, shouts in his 1Malaysia slogan: People first, performance now.
It should be changed to Malays first, performance now - others second, performance later!
Posted: 26 Mar 2010 10:29 PM PDT
RANTAU PANJANG, March 27 — Public awareness of human trafficking issues is still low, Human Rights Commission of Malaysia (Suhakam) commissioner Datuk Dr Raj Abdul Karim said.
She said the society does not understand the real definition of human trafficking which extends beyond selling and buying as it includes exploitation elements.
"Some 1,083 victims were rescued and 130 cases were prosecuted under the Anti-Human Trafficking Act 2007 last year. The number is small as it involves other Acts like the Immigration and Employment Act," she told Bernama here today.
Dr Raj said to make enforcement more effective, areas used as entry points by illegal immigrants like those at the border be identified while easy victims like women and children be told about human trafficking.
"It is important that women and children are equipped with knowledge so that they do not become victims of human trafficking.
"In fact, people from all levels of society must be exposed to human trafficking issues via advertisements in the mass media, discussions and forums by Suhakam and other non-governmental organisations (NGO)," she added. — Bernama
Posted: 26 Mar 2010 09:56 PM PDT
Insurance companies and its agents would use to solicit with all kinds of promises and benefits when they want to win over the heart and minds of the clients. But once there is a claim, they try any excuse available in their small prints of the contracts and interpret in their own way to delay, reduce or avoid compensation payment.
My wife's car was stolen in front of a Bank Bumi in the UPM campus about 10 yrs ago. That Perdana V6 was just 2 yrs old and according to the threats made by insurance agents not to reduce the insurance amount of RM 90,000.00, I accepted and duly paid the premium. About 2 months later, the car was lost and the insurance company offered RM 50,000.00 compensation as market price.
The Insurance companies, Banks, second hand dealers etc all know the price of second hand cars or old car prices.
When the asked for the premium, they asked the highest price but when need to pay compensation, they use the clause, "the market price or insured premium, which is lower". I wrote and complaint up to the PM (Tun) AAB who was the Finance Minister but NO REPLY.
Although the car was confirmed stolen we need to service the car loan monthly. Banks never even waive the interest. Insurance companies would drag their payments for up to a year. For the alternate mode of transport we need to buy another car and pay monthly.
I had seen a lot of my patients' health insurance claims denied by using lame or flimsy excuses.
I refer to the Malaysiakini report Insurance scheme: Bar wants Bank Negara to consult stakeholders.
I am totally astounded that Bank Negara is considering a scheme where the quantum payable by the insurance companies is capped at RM100,000 and the accident victim has to recover the balance from the driver or owner of the motor vehicle involved in the collision.
In other words, in the event I meet with a road accident and the victim suffers losses amounting to RM350,000, my insurers would only pay RM100,000 and I would be personally liable to pay the balance RM250,000 and this does not include interest, costs and legal fees payable to solicitors to defend me. All in, I would be paying about RM300,000 out from my own pocket.
Changes are being proposed because purportedly the insurance companies are paying about RM2.30 to RM2.70 for every ringgit collected for motor premiums. I seriously doubt this calculation and the details or workings as to how these figures of RM2.30 or RM2.70 were derived. They must be made public.
Secondly, is it true that motor insurance tariffs have not been increased for the past 30 years as claimed by Bank Negara? If this is true, then would an increase in motor tariffs across the board help keep the current system in place as opposed to the alternative system being contemplated?
Thirdly, how was this figure of RM100,000 obtained?
I have owned and driven a motorcar all over West Malaysia since 1983. For the past 27 years, not one of my insurers paid any third party claims on my behalf.
All in, I would have paid premiums off about RM40,000 based on an average of RM1,500 per year for the past 27 years. I would probably be owning a motorcar for another 15 years and pay more premiums of RM22,500 based on the current scheme.
I would probably be paying RM62,500 for motor premiums during my lifetime. On the average I suspect, a motorist during his life time would pay motor premiums of about RM100,000
There are thousands of other motorists out there, like me. Now with the new proposal, the possibility is that I would exposed to personal liability and would have to pay out from my own pockets and thereby risk losing my house (my only asset) and my savings.
In my view, the scheme proposed defeats the very purpose of purchasing insurance cover. The purpose of an insurance policy is to protect motorist from being exposed to any personal liability and that is why we pay premiums to the insurance companies.
The Consumers Association of Penang (CAP) welcomes the announcement by Bank Negara Malaysia (BNM) that it will be consulting all relevant stakeholders next month before presenting the proposed new third party bodily injury and death scheme to the government.
In August 2007, the Attorney-General's Chambers issued a Preliminary Issue paper proposing that a No Fault Liability Scheme (NFL) be introduced. There were intensive discussions with all interested parties including BNM on the need for the NFL scheme.
At that stage that there was a consensus amongst the participants on the need for a NFL scheme and what remained to be done was setting up of a committee and appointing a consultant to draw up the scheme and formulate the legal framework. Regrettably, there has been no progress on this matter for more than two years.
It is our hope that the new scheme proposed by BNM closely resembles the NFL scheme discussed two years ago. We badly need the NFL scheme to do justice to those people who are injured in accidents or dependents of those killed in accidents.
The NFL scheme is better than the present fault-based system whereby claims for compensation for personal injury or dependents or any other loss occasioned by motor vehicle accidents are made by instituting proceedings in court. The courts apply principles of common law negligence in determining fault and compensation. As a result, not every person injured in an accident receives compensation inspite of having to wait for a considerable period of time and spend substantial amount of money.
However, the NFL scheme is much more than getting accident victims compensated as quickly as possible. It is based on the principles of community responsibility, comprehensive entitlement, complete rehabilitation, real compensation and administrative efficiency. The NFL scheme is a good one as it has many benefits for example:
- It would save time and money as accident cases would no longer be taken to court and affected persons would not face delays in payments from insurance companies. The public will save in court and lawyer fees and it will reduce the backlog in courts;
- It would reduce malpractice and corruption in the process of seeking remedies for those injured in accidents.
- The government spends a considerable amount on paying interest on judgment sums. The NFL scheme would do away with delays and therefore, interest payments;
- Victims will be able to obtain funds promptly, and without the delays and hassles which accompany civil suits;
- Victims will also be able to receive prompt medical attention and treatment, especially since hospitals will be guaranteed payment;
- The availability of funds for payouts will be guaranteed by law;
- Victims of hit-and-run cases will be compensated
- Insurance companies will no longer be burdened with having to set aside funds to meet claims for personal injuries or deaths for periods up to 6 years;
- The police will have more time to concentrate on criminal cases
We believe an NFL scheme along the following lines can work:
- Specific piece of legislation must be introduced to regulate the scheme.
- An agency along the lines of SOCSO or a state-owned corporation must be set up to run the entire NFL scheme.
- Problem with the funding for the scheme can be overcome by using existing insurance third party premiums and a portion of comprehensive insurance payments. If that it not acceptable than motorists can contribute to the scheme, as a compulsory payment to be made together with road tax or driving licence. The sum could be a flat rate of RM50 per year for each driver. Lastly funding can also come from SOCSO whereby a portion of the contribution made by employees and employers to Socso can be allocated for the NFL scheme.
- It should cover all accidents caused by all vehicles registered with the JPJ.
- Benefits should be payable to persons injured in an accident as a driver, passenger, pedestrian, motorcyclist or cyclist.
- However, some classes of persons could be exempted from receiving benefits or in receive only limited benefits under the NFL scheme. Examples are persons injured in motor vehicle races or speed trials or persons convicted of drink or drug driving offences as a result of accidents
- Benefits paid should cover cost of reasonable medical treatment as well as non-medical services and items required as a result of injuries suffered in the accident, loss of income/earnings and cost of rehabilitation.
- The problem of fraud can be mitigated by having a system of checks and balances
- Road Safety and Accident Prevention should be given emphasis as it is the key to the long term viability of a no-fault scheme, As such, more aggressive campaigns must be aimed to increase awareness and change behavior, with a view to reducing road accidents and injuries.
The NFL scheme is long overdue. We had as far back as the late 1970s and in the early 1990s, called for the introduction of some kind of NFL scheme. The late Harun Hashim (former Supreme Court judge) had also called for the setting up of the NFL in 1995. We have recently also sent a memorandum to BNM on why we need NFL and how it can be implemented.
The writer is president, Consumers Association of Penang.
Posted: 26 Mar 2010 09:00 PM PDT
Chin Lai called up for a steamboat dinner as a last gathering and farewell because he was going to National Service. I don't know why always go that Town Steamboat House, my many gatherings also were held at there. Last November and December, I went there for like 3-4 times.
Anyway, since I long time few months didn't go already, moreover I go to NS too, same place was no big deal. It's a all-boys and one girl gathering, Chin Lai, Tee Jin, Arron, Chien Chern, Yan Duan, Chen Yuen and Yiphing, but I forgot to take Yiphing's photo, she went back early. OMG.
As the Chinese said, 有说有笑 (you3 shuo1 you3 xiao4), means there's laughter and chattering. That's what we did, with additional of photo taking by me and eat. =D
Since it's weekday night, there's not many people at the restaurant, it's not very hot. Else on weekend, where there's many people, it's very very hot, and sweating all along while grilling and steamboating. This place is fun because it's eat all you can, price is RM19.90. Not bad.
Although not sweaty, but when going home, the body sure smells oily and BBQ. Woo.
See you guys back in June! I will be back.
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