PANTAI TANJUNG PIAI / PANTAI ACEH

Assalamualaikum/ salam muhibbah.

PANTAI TANJUNG PIAI / PANTAI ACEH

#pantai tanjung piai atau dikenali Pantai Aceh terletak di pulau indah, klang, selangor, #Malaysia. Terletak 71km dari klcc. Lebih kurang 49km jln highway, 20km jln kampung bertar, dan 2km jln atas pdg ie jln atas tanah merah yg tidak rata. Ada byk lembu di jln tnh mrh tu nnti. If naik keta mcm pajero, jeep etc xde masalah. If naik myvi, honda city, kancil perlu berhati2 di jln tnh merah ala2 jln atas pdg tnh ni. But u can do it!

Overall comment:

1. Jarak 71 km dari #klcc ke sana. Jln challenging tp best especially jln kampung (20km). Ramai org sesat nak dtg sini dan ingat pantai ni kat johor. Nape ye?

2. Utk waze atau gps taipkan angles resort pulau indah. Tp resort ni utk memancing je. Ada challet jg utk tido. If nak mandi kena pi jln lorong yg sblh kanan. 400meter dari resort tu. Ada pantai di situ. 

3. Surau n toilet ada disediakan di resort. Toilet resort byr rm1. If nak masuk dlm resort rm3 seorg. If nak tido katil 2 single rm70 one nite. If nak mandi kat pantai tu n lalu ikut sblh kanan (400m) tu so x perlu byr ape2 la. Mandi laut free je. Tp kena hati2.

4. Ada surau kecil dan kedai mkn bhampiran pantai. Byk juga stall2 kecil jual burger, kopi etc. Bole mandi di tepi pantai n main layang2.  Air cantik dari PD tapi x secantik air di pulau tioman. Haha.. but still ok juga

5. Ada monyet, gagak, burung pipit dan anjing di sini. Monyet3 mmg lapar. Bawa pisang n kcg if mai sini.

6. Pantainya pendek tapi boleh mandi. Org tak terlalu ramai. Org kampung di pantai ni peramah.

7. Pemandangan di pantai ni sungguh awesome n terlalu indah. Mmg kena mai sini. Cantik woo! Beautiful! Marvelous! Dkt jg dgn kl.

8. Sebelum balik boleh singgah di jeti nelayan sg. Kembong. Sini byk bot2 nelayan n restoran terapung. Nice view!

Murah sgt masakan biasa2. Smlm mkn 5 org rm59shj. Ada ikan besar 3rasa, sup daging, tomyam, kailan,telur dadar, air2 byk kali order.

9. Ada #masjid bercat biru di area sini. Sgt cantik binaannya. 

Best!4stars! #pantaitanjungpiai #pantaiaceh #pulauindah #lembu

illegal Investment Company under BNM (updated Sept 2016)

Ehsan dari: http://lunaticg.blogspot.com/2012/08/illegal-investment-company-under-bnm.html  dan BNM web

On 22nd September 2016, Bank Negara Malaysia (BNM) has released a new update for illegal Investment Company which are neither authorised nor approved under the relevant laws and regulations administered by BNM. The list only serves as a guide to members of the public based on information and queries received by BNM. Most of the company in the list are Illegal Foreign Exchange Trading Scheme and Illegal gold investment company. The company/individual listed as illegal because they're not an authorised dealer or has not obtained the permission of the Controller of Foreign Exchange under the Exchange Control Act 1953 (ECA). It is also illegal to trade foreign currency by a resident who is not an authorised dealer, with a person outside Malaysia, or by a resident who has not obtained the permission of the Controller of Foreign Exchange under the ECA.

Illegal Investment Company under BNM:
1. 1globalcash
2. 1Gold.com.my (www.1gold.com.my)
3. 3Sixty Venture Capital PLC (www.empire3sixty.com)
4. Ace Global Sales & Services
5. Ace Dimension Network Sdn Bhd.
6. AE Group Holding Pte Ltd (www.aevfc.com) (201322498-D)
7. Agarwood Venture (002273031-A)
8. Agar Wood Chamber of Commerce Malaysia
9. Ajuwah Realty Sdn Bhd (966604-D)
10. Ajuwah Agencies Sdn Bhd (966604-D)
11. Ajuwah Consultancy
12. Alpari (Asian) Ltd
13. Al-Saliha Worlwide Sdn. Bhd. (628267-M)
14. Amazing Yields Sdn Bhd (891529-V)
15. Amethyst Gold Creation Sdn Bhd (951063-K) (www.powergoldclub.com/ www.powergold999.com/ www.powergold.biz)
16. APS Asia Plantation Sdn Bhd (984575-T)
17. Arba Emas Perak (SA0280035-A)
18. Aruna Travel
19. Asas Seroja Sdn Bhd (357014A)
20. Ashnik Holdings (M) Sdn Bhd (1124601D)
21. Ashnik Trading (002369914-W)
22. Asialink Globe Capital (www.com.agc.com)
23. Astral Progress Sdn Bhd (989294-K)
24. AU Niaga Sdn Bhd (907806-W)
25. AU79 International
26. Aurawave Marketing Sdn. Bhd (www.aurawave2u.com)
27. Axis Capital Corporation Ltd (www.axiscapitalcorp.com)
28. Aziera Gold Enterprise (NS0133976-K)
29. BFS Markets
30. Binary Indulgence Sdn Bhd (963258-W)
31. Build Rich Mining Group Bhd (1006586-T) (www.buildrich.us)
32. Build Rich Investment Group Ltd
33. Build Rich Group Holding
34. Build Rich Agrotech Berhad
35. Build Rich Enterprise
36. Bumi Klasik Warisan Enterprise
37. Capital Asia Group (M) Sdn Bhd (www.capitalasiagroup.com)
38. Cash Deal Sdn Bhd (929192-K) (Boss Venture) (www.bossventure.com)
39. Celik Emas Enterprise (0021517795-K)
40. Changkat Agro Resources (IP 0353991V)
41. CGF Fine Metal Sdn Bhd
42. Classic Worldwide Corporation (M) Sdn Bhd (773082M) (www.cwc.com.my) (Programarba.blogspot.my)
43. CTK Network (CTK2U.com)
44. CybertrustFX
45. Dana Haji Jasman
46. Danatama Millennium Sdn Bhd (819082-U)
47. Darul Emas Perak Bhd (1053229-X)
48. DBB Star Sdn Bhd (1110055-M)
49. Degold Empire Sdn Bhd (882335-M)
50. Delta Wealth Services (002194713-K)
51. Destiny Resources Services
52. Dgreat Network (info.simplebisnes.com)
53. DM Rise Enterprise (PG 0262929-H)
54. DNA Profile Sdn Bhd (245435-W)
55. Dream Success International Sdn Bhd (1002002-P) (www.Surewin4u.com)
56. Dynamic Wira Marketing Sdn Bhd - Skim Beras 1 Malaysia
57. Dynasty Worldwide Sdn Bhd (800311-D) (www.dynasty-worldwide.net/ www.dynastymf.com)
58. Eagle Aeronautics (M) Sdn Bhd (796603-A)
59. East Cape Mining Corp
60. Ecofuturefund (www.ecofuturefund.biz)
61. Emgoldex (Emirates Gold Exchange)
62. Empire Five Trading (www.mikadofx.com)
63. Energetic Gateway Sdn Bhd (511826-X)
64. Epic Palms Bhd (epicpalmsberhad.com)
65. Everise Fumigation Sdn Bhd (861654-K) (www.xbi.com.my)
66. Exquisite Bottle Index Sdn Bhd (1060843T) (www.xbi.com.my)
67. Extra Capital Programme (extracapitalprogram.com)
68. Ezey Marketing
69. E-Qirad Sdn Bhd (595699-D)
70. FA Markets
71. Family Wealth Resources (SA0310508-M)
72. Fari Group Global Resources (SA0319984-M)
73. FE Brands (M) Sdn Bhd (1000656-H)
74. Flexsy Enterprise & Barrilorne Corp
75. FNZ Capital Limited (www.intelfx.com)
76. Fortrend International Sdn Bhd ( 876619-X)
77. Futurebarrel.com (futurebarrel.com)
78. Future Trade Indojaya Sdn Bhd (1003327-P) (ftindojaya.blogspot.com/ www.ft-indojaya.com)
79. FxUnited Malaysia (myfxunited)
80. FXUnited Power Sdn Bhd (1146795-M) (www.fxunitedpowerinternational.com)
81. FXZN Zenith Limited (www.fxzn.com)
82. FXZN Investment Limited
83. FXZN Zenith Management Limited
84. FX Primus Ltd (trivfx.com)
85. Gain FX Capital Sdn Bhd (www.gainfxcapital.org)
86. Gan Patt Services
87. Ganding Wawasan Trading (TR0133766-A)
88. GGC Aqualculture Sdn Bhd (1044976P)
89. GGF Golden House Sdn Bhd (803753-W)
90. GGT Golds Sdn Bhd (547290-D)
91. Global Creation Trading
92. Global Golds Trading (JM0518201-W)
93. Global Peace Loving Family (www.globalpeacelf.com)
94. Global Venture Financing (globalventurefinancing.com)
95. Global Wave Gold Corporation (globalwavegold.com)
96. Gold Bullion World Sdn Bhd (1018604-A) (goldenworld.com.my)
97. Gorgeous Chain Sdn Bhd (841928-P)
98. Grand View Golden Success Sdn Bhd (638186-X) - Golden Maximum
99. Great Access Sdn Bhd (517965-X)
100. Green Buck Resources Sdn Bhd (851115-A)
101. Greenmillion Agrosolution Enterprise (greenmillionagrisolution.blogspot.com)
102. Green Forest Global Sdn Bhd (987049-P)
103. HAFX Global Venture Sdn Bhd
104. Harvest Reliance Consultancy Sdn Bhd (965589-W)
105. HEA Teguh
106. Hexa Commerce Sdn Bhd (645798-X)
107. HG Resources Sdn Bhd (HGR) (www.highwayrich.com) (www.highwayrichclub.com) (www.highwaygroup2u.com)
108. HiFX Asia (HiFX)
109. Highway Group Resources (www.highwayrich.com) (www.highwayrichclub.com) (www.highwaygroup2u.com)
110. Hin Huat Auto Sports (TR0005484-X)
111. Holiday Express Asia
112. Honest Group Ltd
113. Hupro International Inc
114. I & A Global Community Network
115. Iconhill Holding Sdn Bhd (810775-P)
116. IGC Diamond
117. Infinity Star International Sdn Bhd (851864-T)
118. Iridian Ventures PLT (LLP0002569-LGN)
119. IronFX Solid Trading
120. Instaforex
121. Instagroup Resources (JM0531870-X)
122. Isothree Gold Sdn Bhd (906561-K)
123. Inter Pasicfic Soyy Enterprise
124. Jalatama Management Sdn Bhd (929594-W) (www.jalatama.com)
125. Jazlaan Enterprise
126. JM Communications & Technology Sdn Bhd (702054-V)
127. JMI Global
128. JTGold
129. Kelab Kebajikan dan Sosial Tun Teja Malaysia (yds2u.com)
130. Kelab Kebajikan Sosial Malaysia (VVIP88)
131. Keenan Capital Group
132. Keenan Prestige Services (002095851-P)
133. Keenan Brilliant Services (002021597-V)
134. Khaira Sakinah Resources (CT0018249-R)
135. KL FxUnited Club
136. Kris Plus Enterprise (IP0238424-A)
137. Kudaemas (www.kudaemas.com)
138. Lestari2U (www.lestari2u.com)
139. Liberty Reserve (www.libertyreserve.com)
140. Life Time Holidays Sdn Bhd (727129-U)
141. LocalAdClick (localadclick.net)
142. LocusNetwork4u.com (locusnetwork4u.com) 
143. LS Gold Bullion Sdn Bhd (235435-H)
144. Mari Wholesale (M) Sdn Bhd (556117-T)
145. Maxim Capital Ltd (www.maximtrader.com)
146. Maza Network Sdn Bhd (1006389-H)
147. McRen Oceanus Sdn Bhd (908484-X)
148. MD Venture Group Sdn Bhd (1058936U)
149. Meccafund Family Malaysia
150. Mecca Fund Global (MFG) (meccafundglobal.com) (makkahislamichotel.com) (mekahalsafwah.blogspot.my)
151. Mega Dynasty Sdn Bhd (931589-V)
152. Megaherbs Bioextreme (001946380-K)
153. Megah Mewah Trading (SA0295909-A)
154. MGCfx (www.mgcforex.com)
155. MGC Capital Sdn Bhd (www.morgagecapitals.com)
156. MGSB Holding Sdn Bhd (www.mgsb.org.my)
157. MH Secret Wealth Enterprise (NS0122059A)
158. Million Jade Sdn Bhd (www.millionjade.com)
159. Miracle Day Trading (JR0047390-V)
160. Mohamad World Enterprise
161. MOP Consultant Sdn. Bhd (101867-W)
162. Mughniwave International Sdn. Bhd. (1163697-W) (mughniglobal.com)
163. MX3 World Wide ((mx3worldwide.com)
164. My Cameron Hills Sdn Bhd (984170M)
165. Nexgain Malaysia Sdn Bhd (773854-D)
166. Next Generation Mall
167. Nory Motor (TR0023237-H)
168. Norry Setia Ent (TR0103958-M)
169. NTB Agencies dn Bhd (1039052-M)
170. Ocean Century International Limited (www.ODFX.com)
171. OCI Management Sdn Bhd (1042036X) (www.ODFX.com)
172. OCI Venture Sdn Bhd (1039926H) (www.ODFX.com)
173. ODFX (www.ODFX.com)
174. OLTA Capital Management Inc.
175. One AutoCash (www.clubautocash.com/ www.1autocah.com)
176. Orion Healthcare Management Services Sdn Bhd
177. Orion Prokasih (M) Sdn Bhd
178. Ostim Academy (002443002-A) (www.ostimint.com)
179. Overseas Delight Sdn Bhd (614245-W) (www.arowana2u.com)
180. Pancar Mayang Sdn Bhd (527196-H)
181. Pars Pay Sdn Bhd (813378-V)
182. Pegasus Bullion (www.pegasusbullion.com)
183. Perfway Traders Sdn Bhd (918583-V) (www.perfway.com)
184.. Perniagaan Jatidana Wawasan (M) Sdn Bhd
185. Perubatan Islam Seiring Syariat Al-Ikhlas
186. Pioneer Forest Sdn Bhd (1069104M) (www.abunur.com) (rezekipasif.blogspot.my)
187. Pok Din Consultance & Services (www.pokdinempire.com)
188. Pok Din Empire Sdn Bhd (1130978-D) (www.pokdinempire.com)
189. Power Trade Asia Sdn Bhd (933528-T) (www.kuasaforex.com.my)
190. PPC Storm
191. Preferred Credentials Sdn Bhd
192. Premier Ventures Gold
193. Prestige Dairy Farm (M) Berhad (832757-A)
194. Profit Web Sdn Bhd
195. Program 10 Bulan Forex Trading
196. Program I-Rich
197. Pro Infinity Ltd (proinfinity.com)
198. Projek Duit 2012
199. Provisio Multimedia
200. Public Golden House Sdn Bhd (806825-M)
201. Puncak Hartawan Resources (0000097980-T)
202. Quantum Capital Program (www.quantumcapitalprogram.com) (www.berjayaforex.com)
203. Ram Kris Venture (0024165647-K)
204. RCFX
205. RC Group
206. RC Group Sdn Bhd
207. Real Biz Pasif
208. Real Ingenious Sdn Bhd (926598-U) (www.worldfocus.co)
209. Rejab Trading (TR0115248-A)
210. Rejabwealth Sdn Bhd (1005424-X)
211. Reza Anuar Seven
212. Retro Titan Sdn Bhd
213. RGCX Trading Corp (http://www.goldrgcx.com/ www.rapidgcx.com)
214. Rimbun Tekad Realty Sdn Bhd (966620-V)
215. Rimbun Tekad Consultancy Sdn Bhd (966620-V)
216. Rising Premium Sdn Bhd (285572-P)
217. RMMUDAH.COM
218. RM20segera.com (www.rm20segera.com)
219. RN Corporate Services Sdn Bhd
220. Rowther Technologies MSC Sdn Bhd (727979-T)
221. Royal Gold Sdn Bhd (1005830-X) (royalgolds.com)
222. Royale Team Groups (www.royaleteaminfo.blogspot.com)
223. RS Capital Holdings Bhd (819833-P)
224. Safeena Gold Gallery (IP0386035-U)
225. Sejati Agarwood Enterprise
226. Sera Land Mangement & Enterprise (JM0503206-P)
227. SGFM Trading Sdn Bhd (936419-V)
228. Slimberry Extreme Team (zatslimberry.blogspot.com/ slimberryxtreme.com)
229. Solar Bond Capital Sdn Bhd (1157972-A) (www.mysolarbond.com/ solarbond-malaysia.blogspot.my)
230. Speedline (www.speedline-inc.com)
231. Srgold Exchange Bhd (1033164-V) (www.srgold.com.my)
232. Sri Perkasa Emas Trading
233. Sri Chempaka Emas Enterprise (SA0293336-P)
234. Steady Dynasty Sdn Bhd (782270-H)
235. Steady Global Network Sdn Bhd
236. Suliz Pearl Mines
237. Suisse Coins Sdn Bhd (www.suissecoins.com)
238. Sweblink Global Network Sdn Bhd (209952-H)
239. Swiss Capital Venture
240. Syarikat Azza Motor Network Sdn Bhd (104795-P) (www.rajakereta.weebly.com) (www.rajakereta.com)
241. Syarikat GECS Ltd
242. Syarikat Sri Alam
243. Tabung Dana Ehsan
244. Tanjung Trading (TR0123942-W)
245. Tenaga Setia Services (107239-P)
246. TG Reliance Sdn Bhd (1086255-A)
247. The Gold Guarantee
248. Titan Group Sdn. Bhd (823732-U)
249. TP Eagle Venture Sdn Bhd (114378-M) (www.tpeagles.com)
250. Trillion Venture (trivfx.com)
251. Triple One Management Pte Ltd (T1FX) (t1fx.com)
252. TukarGold.net (www.tukargold.net)
253. UER Gold (uergold.com/profitsharing)
254. UFUNCLUB (www.jutawanufunclub.com/ufunclub2me.blogspot)
255. Ultimate Power Profits (www.ultimatepowerprofits.yolasite.com)
256. United American Traders Council (www.uatconline.com)
257. Uni Argrow (Cambodia) Co. Ltd (www.argrow.biz) (www.unicapasia.net)
258. Uncang Teguh Resources (0000102116-T)
259. Urustabil Sdn Bhd (545426-X)
260. VC Gold Sdn Bhd (722295-T)
261. Virgin Gold Mining Corporation
262. VenusFX (www.venusfx.com)
263. Verger Management Services
264. Wadiah Trading (www.wadiahtrading.com)
265. Water World Marketing (CA0177161-P)
266. Westrank Equity Sdn Bhd (1046449-A)
267. Windsor Fragrance Sdn Bhd (599208-H)
268. World Dirham Berhad (970807-X)
269. Worldwide Community Programme (wcp2u.com)
270. WSL Merchants Pte Ltd (www.worldshopperslink.com/ www.click4dollar.com)
271. XOC7
272. YDS Corporate Line Sdn Bhd (877697-P) (yds2u.com)
273. YDS Holding Groups Bhd (987797-T) (yds2u.com)
274. Zenith Gold International Limited (ZGI) (www.zenithgolds.com (zenithgoldrocks.wordpress.com)
(zenithgoldpowerteam.blogspot.my)
275. Zeta Capital Management
276. Zill Akasha Gemilang Enterprise
277. Zness.com (zness.com)

How the illegal investment company operate:

1) Illegal operators usually operate on a small scale and claim they can provide remittance services efficiently, without the need for any documents or identification. They rarely use documents to validate and verify the transactions. By engaging in these transactions, customers run the risk of being cheated and their funds may never reach its intended destination.

2) Illegal operators usually target job seekers by placing attractive advertisements to lure prospective employees to join the company, after which they use them to solicit for new investments. Most often, employees will be encouraged to approach their direct family, relatives and friends before targeting members of the public.

3) Illegal operators usually portray a professional and reputable image, a high-tech office layout and advanced IT facilities, such as a LCD screens displaying movements in exchange rates to provide the impression that a legitimate and real business is being conducted. These facilities are merely a false front.

4) Investors can either trade using their trading accounts with the company or through dealers appointed by the company. In some cases, investors are allowed to operate their accounts via the Internet.

5) Investors are also required to sign a business contract which is normally entered between the investors and a principal company overseas.

6) In most instances, the operators will inform the investors that they will have to send these contracts to its principal company overseas for signing. However, such contracts are usually left unsigned.

7) As such, in the event the investors are unhappy with future dealings and transactions, no action can be taken against the company as there is no binding contract between them.

8) Investors will usually get high returns on their initial investments. This will convince them to increase their investments in hopes of higher returns. Eventually, they will end up losing everything when the illegal operators suddenly go missing.

9) Investors who lose their money through purported volatility of exchange rate movements are informed by the illegal operators that they need to pay margin-call in order to recover their paper loss

10) The illegal operators may also encourage investors to increase their investment to try to recover their losses.

You can report directly to Bank Negara Malaysia via the following communication channels:

Call: 1-300-88-5465 (1-300-88-LINK)
Fax: 03-2174 1515
SMS to 15888: BNM TANYA [your report / query]
Email: bnmtelelink@bnm.gov.my

Source: bnm.gov.my

Read more: http://lunaticg.blogspot.com/2012/08/illegal-investment-company-under-bnm.html#ixzz4Uwn3ohCX 
Under Creative Commons License: Attribution 
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Assalamualaikum dan Salam Sejahtera.

Hari ni hari jumaat.

So siapa yang tak tahu hari ini hari penghulu segala hari. bukan nye hari isnin. hari jumaat, org org islam lelaki akan dtg awal ke masjid utk solat jumaat bukan solat zuhur. pompuan2 boleh lah solat zuhur kat rumah.

sambil2 baca buku ttg advance directive, layan juga cite hakim bao best giler cite ni... dok layan dari sekolah rendah... drama bersambung2 ini merupakan drama cina ttg seorang hakim bao yang sangat adil.... wajah hakim bao ni berkulit gelap dan bertanda bulan sabit di dahi beliau.

dulu sibuk tgk cite hakim bao.,... maybe terkesan sampai skrg dok study law kot...haha....

maybe....

so, at last, jgn lupa teruskan hidup. amalan yg boleh diamalkan hari ini ialah zikir subhanallah walhamdulillah wala ila haillallah Allahu akbar 100kali pagi dan petang, selawat nabi Muhammad 100kali pagi dan petang dan istighfar 100kali pagi dan petang. total 600 kali semuanya. serta solat sunat awwabin sama ada 2 rokaat atau 6 rokaat (3salam) dibuat selepas maghrib sblm isyak. sahaja aku solat sunat awabin 2 rokaat kerana Allah ta'ala. ia untuk tujuan taubat dan memohon menguatkan serta melindungi iman kita. agar mati dalam iman. takbir!!!!

Assalamualaikum wbt.

Hari ini 6 Januari 2017 Jumaat. Dah lama tak update blog2 aku. Dan ada blog yang aku dah lupa email id dan passwordnya. Dulu time kat uitm kampus lendu alor gajah melaka rajin update blog dan buat personal web sendiri. Sekarang dah tak rajin.

Ni masuk tahun kedua aku berada di UKM. If berdasarkan kiraan betul aku dah berada di sini dah setahun setengah. so, balance ada setahun setengah lagi untuk siapkan tesis phd aku. tajuk dia tentang advance directive. mmg susah buat phd ni mcm nak pecah kepala. so, terpaksalah selang selikan dgn aktiviti santai sikit like pegi bercuti sana sini dan lepak2 kat ioi mall putrajaya. 

Ni pic time anugerah meletop astro..throw back jap pic kaka dlm phone nyanyi duet dgn zizan.

semalam keluar lepak tgk wyg kat ioi putrajaya dengan firdaus chek sulaiman uitm shah alam. skrg dia dah berjaya jadi pensyarah tetap kat sana faculty pams. jealous juga tapi aku bsyukur dia dapat sbb dia mmg rajin n layak. so, aku support jugak la. movie semalam cite ttg Great Wall of China lakonan mantap matt demon haha...typo ejaan. ttg lagenda great wall yang tak dicitekan dalam sejarah. yela ala2 yakjuj dan makjuj nak panjat wall nak makan2 penduduk sana dan penduduk dunia jika dapat conquer semua kawasan. tapi end up dapat bunuh ratu so semua binatang raksasa tu mati automatik. 5 bintang utk cite ni sbb action dia awesome. 

Tadi adnan dari maahad abbasiah sungkai call ckp nak ajak makan sate ahad ni dan dia ckp dia yang nak belanja. dia skrg ni kerja kat jaya grocer bukit subang @ jelutong shah alam. kesian juga kalo dia nak belanja. rasanya aku yang patut belanja dia kot sbb dia maybe duit x byk aku pulak nak susahkan dia... pastu dia ckp bday dia 2 january .... hahah.... aku ckp happy belated bday la nnti aku bg hadiah... patutlah dia pi melaka last wk naik moto.... rupa2 nya sambut bday sorang2...sian2... aku pi melaka juga dgn yazid (yaya) dan nazri tapi x dapat pulak jumpa dia sbb dia pi tempat lain n aku nak pi taman buaya (masuk rm20 if xde discount card ie parkson card/my mydin card/kupon discount 30%).. so mmg x jumpa lah sbb dia baru nak pi a famosa ..n ktorg nak pi tmn buaya n nak balik bangi...

so, bila cite bab belajar mmg x akan habis.... so aku plan nak hbskan phd kawen n dok rumah yg bakal aku beli or sewa... keta alza n moto demak yg baru beli just guna je lah... honda city yang baru jual biarlah dalam kenangan.....

bab duit.... mmg sentiasa tak akan cukup.... ataupun cukup2 ... tapi kena bersyukur jelah n bykkan bersedekah... ramai lg org susah..... rumah yg kat semenyih dgn halim maybe siap 2019 atau lebih awal...so ktorg kenalah simpan duit awal2 .... halim pun nak kawen dah february 2017 ni...tapi rahsialah...haha....nurse jg org nye....

so, life kena teruskan.... lagu dirgahayu biarlah terus on kat ipad tu..... doa n tawakal perlu dipanjatkan... moga2 dr. haniwarda dan dr. tengku terbuka hati untuk semak n approve tesis aku cpt2.... aku pun tgh dok nak siapkan chapter 4, 5 dan 6 yang terakhir ni.... end of this month nak pi hospice centre kat cheras tu nak collect data n jumpa org kkm juga...insy...

LAW

LAW

Law is a system of rules and guidelines which are enforced through social institutions to govern behavior, wherever possible. It shapes politics, economics and society in numerous ways and serves as a social mediator of relations between people. Contract law regulates everything from buying a bus ticket to trading on derivatives markets. Property law defines rights and obligations related to the transfer and title of personal and real property. Trust law applies to assets held for investment and financial security, while tort law allows claims for compensation if a person's rights or property are harmed. If the harm is criminalized in legislation, criminal law offers means by which the state can prosecute the perpetrator. Constitutional law provides a framework for the creation of law, the protection of human rights and the election of political representatives. Administrative law is used to review the decisions of government agencies, while international law governs affairs between sovereign states in activities ranging from trade to environmental regulation or military action. Writing in 350 BC, the Greek philosopher Aristotle declared, "The rule of law is better than the rule of any individual."

Legal systems elaborate rights and responsibilities in a variety of ways. A general distinction can be made between civil law jurisdictions, which codify their laws, and common law systems, where judge made law is not consolidated. In some countries, religion informs the law. Law provides a rich source of scholarly inquiry, into legal history, philosophy, economic analysis or sociology. Law also raises important and complex issues concerning equality, fairness and justice. "In its majestic equality", said the author Anatole France in 1894, "the law forbids rich and poor alike to sleep under bridges, beg in the streets and steal loaves of bread." In a typical democracy, the central institutions for interpreting and creating law are the three main branches of government, namely an impartial judiciary, a democratic legislature, and an accountable executive. To implement and enforce the law and provide services to the public, a government's bureaucracy, the military and police are vital. While all these organs of the state are creatures created and bound by law, an independent legal profession and a vibrant civil society inform and support their progress.

PROSPECTUS

PROSPECTUS

 TOPIC:

“How does the law protect an investor who has acquired shares in a company based on inaccuracies in its prospectus? Do you consider such protection adequate?”

By

Mohd. Zamre Bin Mohd. Zahir

Master in Laws (LL.M), UiTM

2012

PROSPECTUS

A prospectus frequently provides investors by means of material information about mutual funds, bonds, stocks and other investment. For example, a description of the company's business, financial statements, biographies of officers and directors, detailed information about their compensation, any litigation that is taking place, a list of material properties and any other material information. A prospectus is distributed by underwriters or brokerages to potential investors.

If we look to the history, until the year 2000, the regulatory framework for fund raising in Malaysia was to some extent quite different with some aspects of fund raising exercise requiring Securities Commission of Malaysia (hereinafter called as SC) approval such as for the issuance of securities while approvals for prospectuses resided with the Registrar of Companies.[1] In 2000, based on Section 231 (2) of the Capital Markets and Services Act 2007 (hereinafter called as CMSA), the SC began registering prospectuses for all issuance of securities unless for prospectuses issued by unregistered recreational clubs.[2] Shanti Geoffrey in her book contends that the changes were significant as gradually shifted from a system based on merit regulation to the introduction of a disclosure based regulatory framework governing securities offering.[3]

However, this is not to indicate that the existing framework of regulation is fully disclosure based. What currently in place is a hybrid system of regulation that to follow Section 212 of the CMSA 2007 as to submit information to the regulators for purposes of corporate proposals and a disclosure based system of the regulation pursuant to Division 3 of Part VI.[4]

If we look to other states, for example in United Sates of America, in a securities offering in the United States, a prospectus is required to be filed with the Securities and Exchange Commission (SEC) as part of a registration statement.[5]  The issuer may not use the prospectus to finalize sales until the registration statement has been declared effective by the SEC, meaning it appears to comply on its face with the various rules governing disclosure.[6]

In United Kingdom, publication of information in relation to the issue of securities in the United Kingdom is governed by the Prospectus Rules, which implement the European Law Prospectus Directive.[7]  A prospectus must be published where certain types of securities either are offered to the public or are requested for admission on a regulated market. In the United Kingdom, the only regulated market is London Stock Exchange full list.[8]

In Malaysia like other states, the investors who involve in selling or purchasing shares of the corporation always rely on the prospectus. In the event the prospectus is inaccurate, there are several actions can be taken in protecting the investors based on Common Law, Malaysian statutes such as Companies Act 1965 (hereinafter called as CA), CMSA and Securities Commission Act 1993 (hereinafter called as SCA) and by the regulators such as our Malaysian Securities Commission (SC).

In Malaysia we can see some changing happened and we can find the development of law concerning to prospectus. Earlier, the Companies Act 1965 provided specific regulations and play roles relating to prospectus. One issue may arise which is does Companies Act 1965 have role to play? The answer is no. However, Companies Act 1965 still applies to Unlisted Recreational Clubs. However, our Malaysian law relating to prospectus keeps on developed. On 1^st July 2000, Securities Commission Act 1993 regulates and has role to play on a matter relating to prospectus. But, previously some sections relating to prospectus in SCA 1993 already deleted and amended. Now, it is under Capital Markets and Services Act 2007 (CMSA) that provides specific regulations and play big roles to the matter relating to prospectus.

The regulations have done several aspects. Firstly, a prospectus is required to be registered in the Securities Commission (SC). Secondly, the disclosure based approach as replaced as merit based approach. Thirdly, introduced a due diligence requirement by those who prepared the prospectus filing which they risk both civil and criminal liability. Fourthly is an introduced prohibition on share banking and advertisement. The disclosed based approach and merit based approach is for making assessment of public issue and to ensure that they provide sufficient information The share banking prohibition is unsolicited invitation such as credit card and cannot simply issue share without asking and the public must ask for it.

Besides that, one question may arise in a context of prospectus as why must be regulation in public issuance prospectus. Actually, prospectus is for investor protection in the context of public issue of shares. It is because the purpose of regulation of public of shares is to ensure that potential investors are provided in sufficient and accurate into so as to ensure that there are able to make a sound investment decision. It is also because to ensure that new diligent is exercised by those who prepare the disclosure documentation. For example, he must have enough information either to invest or not in the company. And the information is found in the prospectus.

 DEFINITION

First and foremost, an ordinary meaning of prospectus is a document containing information of corporation. Oxford Dictionaries defines prospectus as a printed document that advertises or describes a school, commercial enterprise, forthcoming book and others to attract or inform clients, members, buyers, or investors.[9] Bursa Malaysia also defines prospectus as a document to be issued by a company intending to make an issue of shares to the public.[10]

A legal meaning of prospectus can be seen as a legal document that potential shareholders of an initial public offering of a stock must be provided before they can invest.[11] It lists complete financial details of the company as well as the associated risks of the investment.[12] A prospectus is also required for mutual funds and any regulated security.[13]

Furthermore, a prospectus is a document or a publication by, or on behalf of, a corporation containing information on the character, nature, and purpose of an issue of shares, debentures, or other corporate. Actually, securities extend an invitation to the public to purchase the securities.[14] The content of a prospectus is regulated by federal law. It must contain all material facts relating to the company and its operations so that a prospective investor can make an informed decision as to the merit of the investment.[15] A prospectus must be furnished to an investor before any purchase is made.[16]

Prospectus is a legal document which offering securities like shares or mutual fund shares for sale required by Securities Act of 1933. It must explain the offer, including the terms, issuer and objectives if it is mutual fund or planned use of the money if it is securities, historical financial statements and other information that could help an individual decide whether the investment is appropriate or not for him.[17]

The Malaysian statutory in Section 4 CA defines prospectus as may be summarised to its essentials as a document inviting applications or offers from the public to subscribe or purchase shares or debentures of any corporation.[18]

However based on Part VI CMSA 2007, prospectus means a notice, circular, advertisement or document inviting applications or offers to subscribe for or purchase securities or offering any securities for subscription or purchase and  unless expressly specified, includes a supplementary prospectus, replacement prospectus, shelf prospectus, short form prospectus, profile statement, supplementary shelf prospectus and abridged prospectus.[19] Section 226 CMSA explains the invitation or offer to suscribe or purchase share or securities is prospectus. Based on the case of Edgington v Fitzmaurice (1885), a company issued a ‘prospectus’ which means a document inviting subscriptions for debentures.

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[1] Section 37 of the Companies Act 1965.

[2] Section 231 (2) of the Capital Markets and Services Act 2007.

[3] Shanti Geoffrey, Capital Market Laws of Malaysia, (Lexis Nexis 2010), p. 319.

[4] Ibid.

[5] U.S. Global Investors, “Prospectus”, online, available at http://www.usfunds.com/investing-with-us/prospectus/ accessed on 14 November 2011.

[6] Ibid.

[7] Ibid.

[8] Ibid.

[9] Oxford Dictionaries, “Prospectus”, online, available at http://oxforddictionaries.com/definition/prospectus?region=us accessed on 10 November 2011.

[10] Bursa Malaysia, “Glossary of Stock Market Terminology”, online, available at http://www.bursamalaysia.com/website/bm/bursa_basics/market_terminology/glossary_resources/terminology-P.html accessed on 14 November 2011.

[11] US Legal, “Prospectus Law & Legal Definition”, online, available at http://definitions.uslegal.com/p/prospectus/ accessed on 10 November 2011.

[12] Ibid.

[13] Ibid.

[14] Farlex, “Prospectus” (2011) The Free Dictionary, online, available at http://legal-dictionary.thefreedictionary.com/prospectus accessed on 14 November 2011.

[15] Ibid.

[16] Ibid.

[17] InvestorWords, “Prospectus”, online, available at http://www.investorwords.com/3911/prospectus.html accessed on 14 November 2011.

[18] Section 4 of the Companies Act 1965.

[19] Part VI CMSA, Section 226 of the Capital Markets and Services Act 2007.