wahat is MLM???????

Multi-level marketing (MLM) is a business model that combines direct marketing with franchising.

Multi-level marketing businesses function by recruiting salespeople (also called Distributors, Independent Business Owners, IBOs, Franchise Owners, Sales Consultants, Beauty Consultants, Consultants, etc.) to sell a product and offer additional sales commissions based on the sales of people recruited into their downline, an organization of people that includes direct recruits, recruits' recruits, etc. This arrangement is similar to franchise arrangements where royalties are paid from the sales of individual franchise operations to the franchisor as well as to an area or region manager, but in some MLM programs, there can be seven or more levels of people receiving royalties from one person's sales.

千萬不要這么做！

DOn do this when using googleadsense
（一）欺騙式的點擊

首先，也是最重要的一點：不要作弊。杜絕欺騙性點擊，也不可以更改Google AdSense授權給你的程式碼。你要相信，Google永遠比你聰明，AdSense系統可以記錄每一次點擊，心存僥倖或嘗試駭客行為，賬戶會被停權。

（二）自己接廣告

不管任何理由都不能自己點擊廣告，就算你是真的對廣告很有興趣。

（三）鼓勵網友點擊

不能放置任何鼓勵網友去點擊的廣告文字，只能標示為“廣告”或“贊助連接”。

（四）放置其他干擾廣告

可以在同一面頁上放AdSense for Content和其他廠牌的關鍵字廣告聯播，但不可以放置其他與搜尋框外觀與顏色相同、會和Google相關廣告混淆的廣告。

（五）內容為廣告而亂寫

不要因為要配對高價格的關鍵字，而撰寫無關緊要的內容，這只會讓透過查尋關鍵字而造訪的訪客敗與而歸，記得內容才是正道。

INTRODUCTION bank islamic

INTRODUCTION



The earliest form of Islamic banking activity may be traced back to September 1963 when Perbadanan Wang Simpanan Bakal-Bakal Haji (PWSBH) was set up. PWSBH was set up as an institution for Muslims to save for their Haj (pilgrimage to Mecca) expenses. In 1969, PWSBH merged with Pejabat Urusan Haji to form Lembaga Urusan dan Tabung Haji (now known as Lembaga Tabung Haji).

The first Islamic bank was established in 1983. In 1993, commercial banks, merchant banks and finance companies were allowed to offer Islamic banking products and services under the Islamic Banking Scheme (IBS). These institutions however, are required to separate the funds and activities of Islamic banking transactions from that of the conventional banking business to ensure that there would not be any co-mingling of funds.


ISLAMIC BANKING
Islamic banking is a banking activity that is based on Syariah principles. It does not allow the paying and receiving of interest and promotes profit sharing in the conduct of banking business.


SYARIAH PRINCIPLES IN ISLAMIC BANKING
Islamic banking has the same purpose as conventional banking except that it operates in accordance with the rules of Syariah, known as Fiqh al-Muamalat (Islamic rules on transactions). The basic principle of Islamic banking is the sharing of profit and loss and the prohibition of riba' (interest). Amongst the common Islamic concepts used in Islamic banking are profit sharing (Mudharabah), safekeeping (Wadiah), joint venture (Musyarakah), cost plus (Murabahah) and leasing (Ijarah).


SYARIAH ADVISORY COUNCIL/CONSULTANT
Islamic banks and banking institutions that offer Islamic banking products and services (IBS banks) are required to establish Syariah advisory committees/ consultants to advise them and to ensure that the operations and activities of the bank comply with Syariah principles.

In addition, the National Syariah Advisory Council set up at Bank Negara Malaysia (BNM) advises BNM on the Syariah aspects of the operations of these institutions, as well as on their products and services.



SYARIAH CONCEPTS IN ISLAMIC BANKING

Wadiah (Safekeeping)
In Wadiah, a bank is deemed as a keeper and trustee of funds. A person deposits funds in the bank and the bank guarantees refund of the whole amount of the deposit, or any part of the outstanding amount, when the depositor demands for it. The depositor, at the bank's discretion, may be rewarded with 'hibah' (gift) as a form of appreciation for the use of funds by the bank.


Mudharabah (Profit Sharing)
Mudharabah is an arrangement or agreement between a capital provider and an entrepreneur, whereby the entrepreneur can mobilise funds for its business activity. Any profits made will be shared between the capital provider and the entrepreneur according to an agreed ratio while losses are borne solely by the capital provider.


Musyarakah (Joint Venture)
This concept is normally applied for business partnerships or joint ventures. The profits made are shared on an agreed ratio while losses incurred, will be divided based on the equity participation ratio.


Murabahah (Cost Plus)
The selling of goods at a price, which includes a profit margin agreed by both parties. The purchase and selling price, other costs and the profit margin must be clearly stated at the time of the sale agreement.


Bai' Bithaman Ajil (Deferred Payment Sale)
The selling of goods on a deferred payment basis at a price, which includes a profit margin agreed by both parties.


Wakalah (Agency)
When a person appoints a representative to undertake transactions on his/their behalf.


Qardhul Hassan (Benevolent Loan)
A loan extended on a goodwill basis and the borrower is only required to repay the amount borrowed. However, the borrower may, at his discretion, pay extra (without promising it) as a token of appreciation.


Ijarah Thumma Al Bai' (Hire Purchase)
There are two contracts involved in this concept. The first contract, Ijarah contract (leasing/renting) and the second contract, Bai' contract (purchase) are undertaken one after the other. For example, in a car financing facility, a customer enters into the first contract and leases the car from the owner (bank) at an agreed rental over a specific period. When the leasing period expires, the second contract comes into effect, which enables the customer to purchase the car at an agreed price.


Bai' al-Inah (Sell and Buy Back Agreement)
The financier sells an asset to the customer on a deferred payment and then the asset is immediately repurchased by the financier for cash at a discount.


Hibah (Gift)
A token given voluntarily in return for loan given or benefit obtained.

INACTIVE ACCOUNT

INACTIVE ACCOUNT

Where there has been no transaction (either a withdrawal or deposit) in the account for a period of seven years, the account will be classifi ed as unclaimed moneys. Under the Unclaimed Moneys Act (1965), such funds will be transferred to the Registrar of Unclaimed Moneys. Prior to the funds being transferred, banks will send notices requesting the customer to reactivate or close the account. The owner of the unclaimed moneys may recover the moneys from the Registrar either in person or in writing.

To do this, you will need to submit the following documents:

- Application form for refund of unclaimed moneys (UMA-7). The form can be obtained from the Registrar‘s offi ce or downloaded from the website of Jabatan Akauntan Negara at http://www.anm.gov.my
- Documents to support your claim over the unclaimed moneys, such as a bank statement or a letter from your bank
- Copy of your identity card


The address of the Registrar is as follows:
Registrar of Unclaimed Moneys
Jabatan Akauntan Negara
Tingkat 42, Menara Maybank
100, Jalan Tun Perak
50050 Kuala Lumpur.

REASONS FOR RETURNED CHEQUES

REASONS FOR RETURNED CHEQUES


Your bank will decline to pay a cheque issued by you due to the following reasons:

- Insuffi cient funds in your account to clear the cheque
- Missing signature(s)
- Signature(s) differ from specimen signature(s) in the bank’s record
- Post-dated
- Stale cheque (cheque which is dated more than 6 months ago)
- Amount in words and fi gures differ
- Alteration on the cheque (Note: Any alteration is not permitted)
- Stop payment instruction has been issued
- Account closed or "legally blocked" account


Cheques which have been dishonoured will be returned to the accountholder. The issuer of the cheque will be charged a fee by his bank to recover part of the administrative cost incurred.



STOP PAYMENT INSTRUCTION I

f your cheque has gone astray, it is possible to prevent payment of the cheque by giving a stop payment instruction to your bank.

You may give the instruction by phone, but your bank would require you to confi rm your stop payment instruction in writing.

In addition, you will be charged a fee for this service. However, if you issue a stop payment instruction due to insuffi cient funds in your account, you can be charged a penalty.

If you repeatedly issue stop payment instructions when you have insuffi cient funds, your account may be closed by your bank. Such action is taken to ensure that cheques are accepted as a reliable mode of payment.




KEEPING OF RECORDS Your bank will give you a statement of account which will allow you to check transactions that have taken place but the statement does not provide the most current balance. The statement will normally be for an earlier period and will not include any transaction that has taken place after the period referred to in the statement. You should therefore keep records of all deposits and withdrawals to calculate the current balance.

when u use the cheques u must.................

DO'S AND DON'TS WHEN USING CHEQUES
DO’s

• Write clearly and legibly and always use permanent ink pens such as a ball pen
  
• Ensure no alteration/amendment/erasure on the face of the cheque as banks will reject such cheques
  
• Begin writing the amount in words close to the word "Ringgit" without leaving too much space in between the words written and always write the amount payable ending with the word "only". The amount in fi gures must be written close to the letters "RM" and should be written legibly
  
• Make sure that no cheque is being removed from the cheque book without your knowledge and ensure that spoiled cheques are completely destroyed

• Ensure that cheques are kept in a safe and locked place and never leave cheques whether signed or unsigned unattended
  
• Undertake regular review of your stock of unused cheques and conduct regular reconciliation of cheques paid with your bank statement
  
• Report immediately to your bank if there are cheques missing from your cheque book or discrepancies in your bank statement
  
• Ensure your account has suffi cient funds before you issue a cheque. It is not the duty of your bank to call you when there are insuffi cient funds, although some banks may do so as part of their service to their customers
  
• When sending cheques by mail using window envelope, ensure that the envelope is of good quality. This prevent cheques from being revealed when the envelope is held against any light

DON’Ts

• Write below the MICR (Magnetic Ink Character Recognition) fi eld of the cheque to allow smooth clearing of your cheque. The MICR fi eld is usually a 5/8 inch band at the bottom of the cheque
  
• Sign any blank cheque or give any blank cheque as payment
  Use laser printer, felt tip pen, erasable pen or pencil or other printing techniques which can be easily erased and written over, to write details on a cheque. If you are using a typewriter, you should not use correctable ribbons
  
• Issue payments in foreign currency using RM denominated cheques
  
• Fold, pin or staple written cheques. If the cheque is folded, the clarity of the wordings which fall across the "folded" lines may be affected. In addition, folding may break the
• MICR fi eld of the cheque, resulting in the cheque being rejected by the cheque processing system.
• Cheques should not be stapled to prevent accidental tearing

INTRODUCTION

A current account is a form of deposit account that allows, among others, payment by way of cheques. This booklet highlights the basic requirements relating to the operation and maintenance of a current account as well as some useful tips to safeguard your account.



WHO CAN OPEN A CURRENT ACCOUNT

Different banks have different criteria for opening a current account. Generally, banks would only consider the application if the applicant is:

- 18 years old or above
- not a bankrupt
- of sound mind and has the mental and physical capacity to operate the account properly

For business owners and professional entities, they must ensure that they are properly registered with the relevant authorities. However, a bank has the discretion to accept or decline an application to open the account.




REQUIREMENTS TO OPEN A CURRENT ACCOUNT
- You must be physically present at the bank
- You need an introducer acceptable to the bank. This is to enable the bank to obtain references on you. Normally, the introducer is an existing customer or someone known to the bank
- You need to provide certain identification documents such as your identity card or driving licence to substantiate your identity
- You need to put an initial deposit as specified by your bank


In addition, for a business / society / club / association / professional registered withprofessional bodies (e.g. Malaysian Medical Association etc), you need to provide the business registration, board resolution, memorandum and articles of association, share allotment form and list of directors and secretary (for company account) or list of current board/committee members (for society account).



USAGE OF A CURRENT ACCOUNT

You can start using your current account once it is approved by your bank. Withdrawals from your account (subject to the available balance in the account) can be made either through cheques or ATM cards (issued to individual accountholders only) or by electronic means. There is no need to maintain the initial deposit amount i.e. the minimum amount required to open the account, once your account is in operation. You do not earn interest on the balance in your current account. However, for a hybrid account, that is, an account that combines the features of both a current and savings account, you may earn interest from the savings portion of the account.



SIGNATORIES AND CHANGES OF SIGNATORIES


When you open a current account, your bank will require your specimen signature. The bank will compare your signature on the cheque issued by you against this specimen signature. If the signature is different, the bank will refuse to pay the cheque and return the cheque on the ground that “signature differs”. For a joint current account, all the account-holders’ signatures must be provided together with specifi c instructions as to who can operate the joint account.