Ecomax Bathroom Cleaner Is the Best

I just want to share with you all yang saya sudah menggunakan jenama ini beberapa tahun. Saya selalu akan cuba cari idea how to save time and energy in doing house chores.

Cara menggunakannya senang sahaja.  Saya cuma basahkan span, letakkan sedikit cecair tersebut dan sapu atau gosok di tempat-tempat yang ada kotoran degil. 

Selepas itu kalau boleh biarkan semalam, kalau tidak pun biarkan 10 minit pun boleh juga.  Esoknya just ambil span basah dan sapu atau gosok tempat yang sama dan bilas.  Bilik air anda akan menjadi bersih bersinar-sinar.

Tak perlu dah lagi nak menyental dan memberus sehingga letih dan sakit tangan. Sebab tenaga banyak lagi nak digunakan untuk memasak, mengosok, mengemas dan sebagainya. Bak kata orang "Work Smart" la sikit.

Sesiapa yang berminat boleh dapatkannya daripada ejen-ejen jualan  Cosway.  Harga pun berpatutan.  Cubalah tentu kerja mencuci bilik air bukan lagi satu bebanan.

How to Make Withdrawal from your EPF account to pay your housing loan monthly instalments?

This withdrawal allows you to withdraw your Account 2 savings to pay for your housing loan monthly instalments taken for the purpose of buying / building a house. This withdrawal is an addition to the existing withdrawal, which is the Withdrawal to Reduce / Redeem Housing Loan.

For further details on Terms and Conditions, Eligibility, and etc., please refer to http://www.kwsp.gov.my/http://www.kwsp.gov.my/ or visit any EPF office.

MAIN DOCUMENTS

1.    KWSP 9P (AHL) Withdrawal Form. (Please get the form from EPF Office as the printed form downloaded from EPF website are not accepted).

2.    Personal Identification Card (Original and Photostat Copy)

3.    Bank Savings Account Passbook (Original and Photostat copy of front page only)

4.    Get the Housing Loan Balance Statement (Date of balance statement must not be more than one month from the date the application is received)

SUMMARY

1.    Check your withdrawal eligibility amount from your Account 2 at EPF Office OR if you have registered i-Akaun, you can check it by yourself.

2.    Submit the completed KWSP 9P(AHL) Withdrawal Form and all the required main documents through EPF Counter.

3.    You have to inform the EPF Officer the amount of monthly installment to be credited and for how many months. (Maximum monthly amount is as per stated in the Housing Loan Balance Statement)

4.    After EPF Officer verified and accepted all your documents and you have to wait within 4 to 14 working days to receive a notification through SMS that your savings account is credited.

5.    You can now pay your housing loan and now you have extra money every month from your salary to be used for investment or savings.

Source from : http://www.kwsp.gov.my/

How to Make Withdrawal from your EPF account for Investment?

This withdrawal allows you to withdraw part of your savings in Account 1 for investments to increase your retirement fund to support your life after retirement. You are allowed to invest not more than 20% of the total amount in excess of your Basic Savings in Account 1 through Appointed Fund Management Institutes approved by the Ministry of Finance.

Basic Savings is a pre-determined savings amount in your Account 1 according to your age to enable you to achieve a minimum savings amount of RM120,000.00 when you are 55 years old. The savings cannot be withdrawn until you are 55 years old.

For further details on Terms and Conditions, Eligibility, Withdrawal Amount Eligibility, The Basic Savings Schedule, Approved Fund Management Institutes and etc., please refer to http://www.kwsp.gov.my/ or visit any EPF office.

Notes: I would prefer either Tabung Haji or PNB as my selected Fund Management Institutes.

Should you have any enquiry or require additional information regarding this withdrawal, kindly contact:

·         Any EPF Office nearest to you;

·         The EPF Call Management Centre (CMC) at: 03-8922 6000

·         Customer Feedback: http://enquiry.kwsp.gov.my

MAIN DOCUMENTS

1.    KWSP 9N (AHL) Application Form.

2.    The latest EPF Statement

3.    Personal Identification Card

a)    MyKad / Military Identification Card / Permanent Resident Identification Card (MyPR)

OR

b)    Police Identification Card AND Verification Letter from Employer stating that the Police number and Identification Card number refer to the same person (if without MyKad)

OR

c)    Passport. If the member is not a Malaysian citizen and has become an EPF member before 1 August 1998.

(EPF reserves the rights to request any additional documents if required and reject any incomplete applications and do not comply with the terms and conditions.)

Notes: Please get the form and statement from EPF Office as the printed forms downloaded from EPF website are not accepted.

SUMMARY

1.    Please check the details at http://www.kwsp.gov.my/ or visit any EPF office before you proceed with the withdrawal.

2.    You are advised to check your Account 1 balance and withdrawal eligibility before applying and complete only one form for every withdrawal made.  You can check your withdrawal eligibility amount at EPF Office OR if you have registered i-Akaun, you can calculate it by yourself.

3.    Always remember that the investment amount transfer falls under your responsibility and withdrawal cancellation after the approval is not allowed.

4.    Submit the completed application form and all the required main documents through any of the selected Fund Management Institutes.

5.    The Fund Management Institutes will then submit your application to EPF for processing.

6.    EPF will transfer the applied invested amount from your savings directly to the relevant Fund Management Institutes.

7.    You will receive letters from Fund Management Institutes and EPF.

8.    Check your next EPF statement.

Source from : http://www.kwsp.gov.my/