Thursday, December 31, 2009

Kesan Charge RM50 ke atas kad kredit

Pagi tadi aku pegi ke Bank HSBC. bukan apa, aku cuma nak terminate kad kredit aku jer. aku call HSBC, xpenah pulak ada orang angkat. lebih 15 kali aku call. last skali aku pun turun KL pagi ni nk setelkan kad kredit aku.

sampai2 kat bank aku kena tunggu lebih kurang 45 minit, baru dpt turn aku. rupa-rupanya, ramai jugak yang nk terminat kad kredit. aku mula terfikir, apakah kesannya sekiranya terlalu ramai orang terminate kad kredit.

penggunaan kad kredit ada baik dan buruknya. namun perlu diakui, sekiranya kita menggunakan kad kredit secara berdisiplin, kita akan dapat lebih byk profit. rebet diskaun, 0% package dll seperti yang ditawarkan.

apa yang ingin saya bincangkan di sini adalah kesan charge RM50 ke atas setiap primary kad kredit. salah satu kesannya adalah kebanyakan pengguna akan terminate kad kredit mereka. ini bermakna, kredit (hutang) yang bank berikan kepada pengguna pun semakin berkurang disebabkan pengguna kad kredit mereka berkurang. Kesannya secara tidak langsung, income pihak bank akan berkurang. apa yang dirisaukan, adakah staf2 yang kerja di sektor perbankkan akan dikurangkan. ini apa yang ku terfikir. mungkin salah firasatku ini.

apa yg ku coret di sini hanya pandangan ku. mungkin salah mungkin benar.
sekiranya terdapat komen, sila tuliskan komen anda. sekian...

Sunday, December 27, 2009

Malangnya Nasib Terengganu

Sekali lagi Terengganu menjadi tapak bencana yang berpotensi mengancam nyawa manusia.Kira-kira enam bulan selepas runtuhnya bumbung stadium negeri Sultan Mizan Zainal Abidin, empat pekerja cedera apabila struktur keluli yang menyokong bumbung kaca Terminal Bas Ekspres dan Teksi Kuala Berang bernilai RM4.2 juta runtuh. Beratus-ratus kepingan kaca runtuh ke atas empat pekerja, tiga warga Bangladesh dan seorang warga tempatan yang sedang bekerja di bawah bumbung itu.Manakala 11 pekerja lagi yang berada di tapak itu bernasib baik kerana tidak cedera dan empat daripadanya hanya mengalami kecederaan ringan; keadaan mereka masih tidak diketahui.


Penyelia tapak mendakwa kemalangan itu berlaku akibat kerja-kerja yang dilakukan tidak bermutu. Persatuan Pengguna Pulau Pinang (CAP) amat terkejut dengan berulangnya sikap tiada perhatian berat terhadap keselamatan dan etika asas pembinaan serta amalan keselamatan yang diperlukan bagi infrastruktur seumpama ini. Tragedi seperti runtuhan bangunan lama kompleks membeli-belah Jaya Supermarket, di Petaling Jaya, awal tahun ini jelas disebabkan oleh kecuaian sebahagian daripada profesional yang terlibat.


Terdapat pengajaran yang boleh dipelajari daripada runtuhnya bumbung Stadium Sultan Mizan Zainal Abidin yang berharga RM25 juta, masalah bumbung terminal lapangan terbang Sultan Mahmud yang bernilai RM123 juta dan struktur Kompleks Akuatik Batu Burok yang berharga RM18 juta. Semuanya akibat kerja-kerja yang tidak bermutu dan bahan yang digunakan juga kurang bermutu.


Kenapakah perkara yang sama berulang iaitu tidak mengambil berat prosedur tapak kerja yang selamat dan piawaian pembinaan masih berulang tanpa kesal?Sifat tidak tidak mempedulikan keselamatan awam di negara ini telah mencapai peringkat kemalangan dahsyat dengan bencana baru. Malangnya, amat dikesalkan, tiada bukti perubahan sikap kontraktor, perunding dan pegawai kerajaan ke arah keselamatan dan integriti dalam projek pembinaan. Malah jika penyokong keluli bagi bumbung kaca itu dipasang dengan cara yang tidak betul, kenapa ia tidak dilihat oleh profesional yang bertanggungjawab itu?


Persoalan CAP, adakah strukturnya diperiksa dan diuji bagi menanggung beban sebelum kepingan kaca itu dipasang? Adakah penyokong itu selaras dengan spesifikasi? Pada tahun lalu, Menteri Sumber Manusia, Datuk Dr S Subramaniam memberikan jaminan kepada kita bahawa golongan "profesional" akan bertanggungjawab terhadap keselamatan di tempat kerja.Beliau berkata, “jika kemalangan kren berlaku di tapak pembinaan, kami mahu jurutera terlibat memastikan keselamatan kren bertanggungjawab terhadapnya."CAP bersetuju dengan gesaan menteri agar profesional bertanggungjawab dalam memastikan pelaksanaan mekanisme kesihatan dan keselamatan di tapak pembinaan dan juga dalam menangani kemalangan di tapak pembinaan.


Kini tiba masanya untuk menguatkuasakan dengan tegas undang-undang dan peraturan berhubung keselamatan pembinaan dan integriti; dan juga mendakwa mereka yang bertanggungjawab bagi kecuaian yang boleh mengancam nyawa serta membazirkan dana awam. CAP juga menggesa supaya satu pasukan jurutera forensik dengan Jabatan Keselamatan dan Kesihatan Pekerjaan (DOSH) mendedahkan hasil siasatan kemalangan dan dalam proses itu, memainkan peranan utama dalam mewujudkan penanda aras pencegahan bagi pematuhan terhadap garis panduan dalam industri pembinaan Malaysia.


SM Mohamed Idris presiden Persatuan Pengguna Pulau Pinang (CAP)


Persoalan yang bermain diminda ku.

Adakah rasuah dan penyalahgunaan kuasa berlaku semasa penyerahan projek.

Fikir-fikirkan...

Wednesday, November 4, 2009

Apabila Menteri pandai kelentong

Parliament: RapidKL, Rapid Penang takeover is not bailout


KUALA LUMPUR: The takeover of RapidKL and Rapid Penang by Prasarana Sdn Bhd, a government-linked company, was not a bailout but to ensure the smooth operation of public transport services, the Dewan Rakyat was told on Wednesday.

Deputy Finance Minister Datuk Dr Awang Adek Hussein said both companies provided a social service and if the operation was managed by the private sector, commuters might not get the full benefits.

“In the hands of private companies, which are driven by profit, no buses would ply unprofitable routes with very few passengers travelling. But to the Government, it does not matter.

“We look at it as a service to the people. The question of a bailout does not arise,” he said when replying to a supplementary question from Datuk Zahrain Mohamed Hashim (PKR-Bayan Baru).

Zahrain wanted to know the losses incurred by RapidKL and Rapid Penang and the reason why both companies were bought over by Prasarana.

Awang Adek said RapidKL and Rapid Penang incurred losses due to the high cost of repair and maintenance of their buses.

“Through the takeover, RapidKL and Rapid Penang would be more focused on running the operation and eventually overcome the problem of integrating the public transport system,” he added.... from bernama

kenapa awal2 tidak diletakkan dibawah GLC.
Kenapa rugi baru nk takeover and then bg reason utk kemudahan rakyat.
Kenapa menteri suka perbodohkan orang....
bengang aku, dahkla bagi bonus 500.

Thursday, October 29, 2009

Tips Final Exam dan Assignment

xder ape2
hahaha......(Gelak jahat)






Scroll bawah dulu...







tips utk final exam
1) jgn lupa sit final exam pada 5hb..
2) jgn lupa bwk calculator....
3) jgn lupa bawak pen

utk assignment...
kalu rasa pecah kepala, jawab soalan 1 and 2 sahaja yer. itu yg yg saya marking...
soalan lain itu dikira exercise utk u all...kiranya cam brain exercise ler....

Friday, October 9, 2009

Open Source Physics

Just Sharing

BQ Learning: Better Questioning for Learning - May 29, 2008

The BQLearning database stores instructor specific Open Source Physics (OSP) curricular material for use at the instructor's home institution or by the rest of the educational community. Resources in the database are arranged by category (i.e. Mechanics, Modern Physics, etc.) and can also be found by entering search words. Instructors can mix and match these resources with their own curricular material and students have easy access to this modified material using a BQ database-generated URL.

http://www.bqlearning.org/

Statistical and Thermal Physics (STP) Curriculum Development Project - May 29, 2008

The Statistical And Thermal Physics (STP) Project devoted to the enhancement of the teaching of undergraduate thermal and statistical physics. Its goal is to promote innovation in all aspects of the teaching of statistical and thermal physics in the undergraduate curriculum, including laboratory experiments, computational projects, student understanding of conceptual issues, ways of incorporating modern developments, issues related to energy in society, and conceptually-based ways of presenting statistical physics and classical thermodynamics.

NOTE: The STP project website will become a ComPADRE Collection in late 2008.

http://stp.clarku.edu/


For those who are interested to develop physics animation, you are advised to use easy java simulation (ejs).

http://www.um.es/fem/EjsWiki/pmwiki.php


Thursday, September 3, 2009

Wall's Ice Cream In Malaysia Is Halal


Paddle Pop Rainbow Peak Ice Cream contains additives E471 and E407 are Halal.
Reference is made to a recent circulating e-mail alleging that our Paddle Pop Rainbow Peak Ice Cream contains additives E471 and E407 which are said to be gelatine and originated from haram materials.

Regarding the allegation, first of all, we would like to reiterate that none of our ice creams contain gelatine. Both E471 and E407 are emulsifier and stabilizer respectively, and are not related to gelatine.

E471 is a code given to mono and diglycerides, a group of emulsifiers which can be derived from plant or animal sources. As with all of other Wall’s Malaysia ice cream, we use only plant-based emulsifiers. On the other hand, E407 is a code given to carrageenan, a plant - based stabilizer.
Unilever Malaysia wishes to clarify that all Wall’s range of products sold in Malaysia are Halal certified and meets the requirement of the Muslim community. For products manufactured in Thailand, which includes this ice cream, they are certified Halal by The Central Islamic Committee of Thailand (TCICOT), a local Halal certification body recognized by JAKIM.
Wall’s also source its ice-cream from Indonesia, China and The Philippines - all of which receives Halal certifications from Majelis Ulama Indonesia (MUI), China Islamic Association (CIA) and Ulama Conference of The Philippines respectively. These are all JAKIM’s accredited Islamic bodies overseas.

At Unilever, we respect the religious beliefs and practices of all consumers, and are sensitive to the needs and varying concerns of all our consumers. We take great effort to ensure that these needs are being met in the best possible manner.
For more information on all our products, please contact our consumer Careline at 1800 88 1315.


Wall’s Ice Cream In Malaysia Is Halal
We refer to the letter dated 7 August 2007 by Mr Timothy Neville, Consumer Care Advisor of Wall’s United Kingdom (UK) in response to a consumer from Reading, United Kingdom, on the suitability of Wall’s products for Muslims and vegetarian, which has been circulated via email.
The letter, which contained a list of Wall’s products, has understandably raised concerns over the suitability of Wall’s products in Malaysia.

We would like to clarify that the list provided by Mr Neville in the letter for the consumer is intended for the UKmarket only, as different regions around the world would cater to different consumer market. For Malaysia, we source our ice cream locally and from Indonesia, Thailand and China. We do not import from UK or anywhere else in Europe.
All Wall’s range of products in Malaysia are halal certified and meets the requirement of the Muslim community. Wall’s Halal certifications are obtained from Jabatan Kemajuan Islam Malaysia (JAKIM) and The Central Islamic Committee of Thailand (TCICOT), Majelis Ulama Indonesia (MUI) and China Islamic Association (CIA), who are all JAKIM’s accredited Islamic bodies overseas.

We respect the religious belief and practices and are sensitive to the needs and varying concerns of all our consumers. As a company, we take great effort to ensure that these needs are being met in the best manner possible.

For further enquiries on this matter, please feel free to contact our Consumer Careline at 1800 88 1315.

so memandangkan Nestle produk penyokong pertubuhan Zionis, so kalau sape2 nak makan ice cream bolela cuba walls. tapi kalau rajin buat sendiri sahaja. ice cream asam boi. sedap aper.


Colgate: 1 Malaysia kena tipu

itulah. tgk lai iklan Colgate. cam bagus sgt Colgate tuh.

The Flouride Conspiracy

The history of forcing fluoride on humans through the fluoridation of drinking water is wrought with lies, greed and deception. Governments that add fluoride to drinking water supplies insist that it is safe, beneficial and necessary, however, scientific evidence shows that fluoride is not safe to ingest and areas that fluoridate their drinking water supplies have higher rates of cavities, cancer, dental fluorosis, osteoporosis and other health problems. Because of the push from the aluminum industry, pharmaceutical companies and weapons manufacturers, fluoride continues to be added to water supplies all over North America and due to recent legal actions against water companies that fluoridate drinking water supplies, precedent has been set that will make it impossible for suits to be filed against water suppliers that fluoridate. There is a growing resistance against adding toxic fluoride to our water supplies, but unfortunately, because fluoride has become "the lifeblood of the modern industrial economy"(Bryson 2004), there is too much money at stake for those who endorse water fluoridation . The lies of the benefits of water fluoridation will continue to be fed to the public, not to encourage health benefits to a large number of people, but to profit the military-industrial complex.

The story begins in 1924, when Interessen Gemeinschaft Farben (I.G. Farben), a German chemical manufacturing company, began receiving loans from American bankers, gradually leading to the creation of the huge I.G. Farben cartel. In 1928 Henry Ford and American Standard Oil Company (The Rockefellers) merged their assets with I.G. Farben, and by the early thirties, there were more than a hundred American corporations which had subsidiaries and co-operative understandings in Germany. The I.G. Farben assets in America were controlled by a holding Company, American I.G. Farben, which listed on it’s board of directors: Edsel Ford, President of the Ford Motor Company, Chas. E. Mitchell, President of Rockerfeller’s National City Bank of New York, Walter Teagle, President of Standard Oil New York, Paul Warburg, Chairman of the federal reserve and brother of Max Warburg, financier of Germany’s War effort, Herman Metz, a director of the Bank of Manhattan, controlled by the Warburgs, and a number of other members, three of which were tried and convicted as German war criminals for their crimes against humanity. In 1939 under the Alted agreement, the American Aluminum Company (ALCOA), then the worlds largest producer of sodium fluoride, and the Dow Chemical Company transferred its technology to Germany. Colgate, Kellogg, Dupont and many other companies eventually signed cartel agreements with I.G. Farben, creating a powerful lobby group accurately dubbed "the fluoride mafia"(Stephen 1995).

At the end of World War II, the US government sent Charles Eliot Perkins, a research worker in chemistry, biochemistry, physiology and pathology, to take charge of the vast Farben chemical plants in Germany. The German chemists told Perkins of a scheme which they had devised during the war and had been adapted by the German General Staff. The German chemists explained of their attempt to control the population in any given area through the mass medication of drinking water with sodium fluoride, a tactic used in German and Russian prisoner of war camps to make the prisoners "stupid and docile"(Stephen 1995). Farben had developed plans during the war to fluoridate the occupied countries because it was found that fluoridation caused slight damage to a specific part of the brain, making it more difficult for the person affected to defend his freedom and causing the individual to become more docile towards authority. Fluoride remains one of the strongest anti-psychotic substances known, and is contained in twenty-five percent of the major tranquilizers. It may not seem surprising that Hitler’s regime practiced the concept of mind control through chemical means, but the American military continued Nazi research, exploring techniques to incapacitate an enemy or medicate an entire nation. As stated in the Rockerfeller Report, a Presidential briefing on CIA activities, "the drug program was part of a much larger CIA program to study possible means of controlling human behavior"(Stephen 1995).

The ‘dental caries prevention myth’ associated with fluoride, originated in the United States in 1939, when a scientist named Gerald J. Cox, employed by ALCOA, the largest producer of toxic fluoride waste and at the time being threatened by fluoride damage claims, fluoridated some lab rats, concluded that fluoride reduced cavities and claimed that it should be added to the nation’s water supplies. In 1947, Oscar R. Ewing, a long time ALCOA lawyer, was appointed head of the Federal Security Agency , a position that placed him in charge of the Public Health Service(PHS). Over the next three years, eighty-seven new American cities began fluoridating their water, including the control city in a water fluoridation study in Michigan, thus eliminating the most scientifically objective test of safety and benefit before it was ever completed.

American ‘education and research’ was funded by the Aluminum Manufacturing, Fertilizer and Weapons Industry looking for an outlet for the increasingly mounting fluoride industrial waste while attaining positive profit increase. The ‘discovery’ that fluoride benefited teeth, was paid for by industry that needed to be able to defend "lawsuits from workers and communities poisoned by industrial fluoride emissions" (Bryson 1995) and turn a liability into an asset. Fluoride, a waste constituent in the manufacturing processes of explosives, fertilizers and other ‘necessities’, was expensive to dispose of properly and until a ‘use’ was found for it in America’s water supplies, the substance was only considered a toxic, hazardous waste. Through sly public re-education, fluoride, once a waste product, became the active ingredient in fluorinated pesticides, fungicides, rodenticides, anesthetics, tranquilizers, fluorinated pharmaceuticals, and a number of industrial and domestic products, fluorinated dental gels, rinses and toothpastes. Fluoride is so much a part of a multibillion-dollar industrial and pharmaceutical income, that any withdrawal of support from pro-fluoridationists is financially impossible, legally unthinkable and potentially devastating for their career and reputation.

Funded by US industrialists, in an attempt to encourage public acceptance of fluoride, Edward Bernays, known also as the father of PR, or the original spin doctor, began a campaign of deception to persuade public opinion. Barnays explained "you can get practically any idea accepted if doctors are in favour. The public is willing to accept it because a doctor is an authority to most people, regardless of how much he knows or doesn’t know"(Bryson 2004). Doctors who endorsed fluoridation didn’t know that research discrediting fluoride’s safety was either suppressed or not conducted in the first place. Fluoride became equated with scientific progress and since it was introduced to the public as a health-enhancing substance, added to the environment for the children’s sake, those opposing fluoride were dismissed as cranks, quacks and lunatics. Fluoride became impervious to criticism because of a relentless PR offensive, but also because of it’s overall toxicity. Unlike chemicals that have a signature effect, fluoride, a systemic poison, produces a range of health problems, so it’s effects are more difficult to diagnose.

Recently declassified US Military documents such as Manhattan Project, shows how Fluoride is the key chemical in atomic bomb production and millions of tonnes of it were needed for the manufacture of bomb-grade uranium and plutonium. Fluoride poisoning, not radiation poisoning, emerged as the leading chemical health hazard for both workers and nearby communities. A-bomb scientists were ordered to provide evidence useful for defense in litigation, so they began secretly testing fluoride on unsuspecting hospital patients and indignant, mentally retarded children.. "The August 1948 Journal of the American Dental Association shows that evidence of adverse effects from fluoride was censored by the US Atomic Energy Commission for reasons of "national security" (Griffiths 1998). The only report released stated that fluoride was safe for humans in small doses.

During the Cold War, Dr. Harold C. Hodge, who had been the toxicologist for the US Army Manhattan Project, was the leading scientific promoter of water fluoridation. While Dr. Hodge was reassuring congress of the safety of water fluoridation, he was covertly conducting one of the nation’s first public water fluoridation experiments in Newburgh, New York, secretly studying biological samples from Newburgh citizens at his US laboratory at the University of Rochester. Since there are no legal constraints against the suppression of scientific data, the only published conclusion resulting from these experiments was that fluoride was safe in low doses, a profoundly helpful verdict for the US Military who feared lawsuits for fluoride injury from workers in nuclear power plants and munitions factories. Fluoride pollution was one of the biggest legal worries facing key US industrial sectors during the cold war. A secret group of corporate attorneys, known as the Fluorine Lawyers Committee, whose members included US Steel, ALCOA, Kaiser Aluminum, and Reynolds Metals, commissioned research at the Kettering Laboratory at the University of Cincinnati to "provide ammunition"(Bryson 2004) for those corporations who were fighting a wave of citizen claims for fluoride injury. The Fluorine Lawyers Committee and their medical ambassadors were in personal and frequent contact with the senior officials of the federal National Institute for Dental Research, and have been implied in the ‘burying’ of the forty year old Kettering study, which showed that fluoride poisoned the lungs and lymph nodes in laboratory animals. Private interests, sought to destroy careers and censor information by ensuring that scientific studies raising doubts about the safety of fluoride never got funded, and if they did, never got published.

During the 1990’s, research conducted by Harvard toxicologist Phillis Mullenix showed that fluoride in water may lead to lower IQ’s, and produced symptoms in rats strongly resembling attention deficit and hyperactivity disorder (ADHD). Just days before her research was accepted for publication, Mullenix was fired as the head of toxicology at the Forsyth Dental Center in Boston. Then her application for a grant to continue her fluoride and central nervous system research was turned down by the US National Institute of Health (NIH), when an NIH panel told her that "fluoride does not have central nervous system effects"(Griffiths 1998).

Despite growing evidence that it is harmful to public health, US federal and state public health agencies and large dental and medical organizations such as the American Dental Association (ADA), continue to promote fluoride. Water fluoridation continues, despite the Environmental Protection Agency (EPA)’s own scientists, whose union, Chapter 280 of the National Treasury Employees Union, has taken a strong stand against it. Dr. William Hirzy, vice president of Chapter 280, stated that "fluoride (that is added to municipal water) is a hazardous waste product for which there is substantial evidence of adverse health effects and, contrary to public perception, virtually no evidence of significant benefits"( Mullenix 1998). Although fluoride is up to fifty times more toxic than sulfur dioxide, it is still not regulated as an air pollutant by the American Clean Air Act. Since thousands of tonnes of industrial fluoride waste is poured into drinking water supplies all over North America, supposedly to encourage gleaming smiles in our children, big industry in the US has the benefit of emitting as much fluoride waste into the environment as they like with absolutely no requirement to measure emissions and no way of being held accountable for poisoning people, animals and vegetation.

In August 2003, the EPA requested that the National Research Council, the research arm of the National Academy of Sciences (NAS), re-evaluate water fluoride safety standards by reviewing recent scientific literature, because the last review in 1993 had major gaps in research. "Neither the US Food and Drug Administration (FDA), nor the National Institute for Dental Research (NIDR), nor the American Academy of Pediatric Dentistry has any proof on fluoride’s safety or effectiveness"(Sterling 1993). The International Academy of Oral Medicine and Toxicology has classified fluoride as an unapproved dental medicament due to it’s high toxicity and the US National Cancer Institute Toxicological Program has found fluoride to be an "equivocal carcinogen" (Maurer 1990).

Currently the US government is continuing to introduce further fluoridation schemes throughout the country, including the Water Act passed in November 2003, which has made it impossible for water companies to undergo civil or criminal hearings as a result of adding fluoride to public water supplies.

In a society where products containing asbestos, lead, beryllium and many other carcinogens have been recalled from the marketplace, it is surprising that fluoride is embraced so thoroughly and blindly. It seems absurd that we would consider paying the chemical industry to dispose of their toxic waste by adding it to our water supply. Hiding the hazards of fluoride pollution from the public is a capitalist-style con job of epic proportions that has occurred because a powerful lobby wishes to manipulate public opinion in order to protect it’s own financial interests. "Those who manipulate this unseen mechanism of society constitute an invisible government which is the true ruling power of our country… our minds are molded, our tastes formed, our ideas suggested, largely by men we have never heard of" (Bernays 1991).

Adakah anda percayakan Colgate. Fikirlah Sendiri

dipetik dari: http://ekoscommunications.com/node/125