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A special purposevehicle company namely Lahad Datu Energy SdnBhd has been formed to implement the project. Site preliminary and survey worksare currently in progress to be followed by a newDetailed Environment Impact Assessment Study. The Plant will utilise the empty fruit bunch EFB of oil palm as its major source of fuel to fire itsboiler.

The project is expected to apply for the CarbonEmission Reduction and sell it to appropriateparties at a market rate to be agreed betweenthe buyer and seller. The project is expected tocontribute the reduction of approximately 45,tonne CO2 emission annually. Optimisation of true life-cycle costb. Development of human capital for globalgrowthc. This has helped to further propelthe Division towards achieving its objectives. The Division fullyappreciates the benefits of TPM which combinedthe best features of productive and predictivemaintenance with innovative managementstrategies and total employee involvement.

Withthe integration of production and maintenancefunctions, the goal of optimising equipmentreliability and ensuring the efficient managementof plants assets can be realised. Getting the right people at the right time2. Building a competent workforce3. Establishing a leadership pipeline4. Achieving a performance driven workculture5. Preserving harmonious IR climate6. Striving towards efficient and effective HRservices7. Creating safe and conducive workingenvironment8.

Implementing prudent financial managementDuring the year under review, the main initiativeswere divided into four key areas Training for internal auditors on root causeanalysis — October Refresher course for internal quality auditors— October Internal Quality Audit — November The relevantdocuments were published in the system byMarch Other TNB power stations have also soughtsimilar certification by aggressively embarked on5S implementation.

Sultan Mahmud Power Station, Kenyir2. Putrajaya Power Station3. Sultan Ismail Power Station, Paka5. Cameron Highlands Hydroelectric Scheme6. The economic scenario threw some majorchallenges to the Division. The excess loadmargin has resulted in lower plant capacity factorhence raising the CPU. However, with the comingon-line of its PD2 plants, the division is confidentof maintaining, if not improving, its technicalperformances.

The implementation of the majorhydro projects will help TNB optimise its energymix. The Generation Division will continue itsimprovement initiatives for the benefit of thedivision and TNB. As of today, the National Grid has grown into aremarkable web of electricity transmissionconnectivity that supports the necessity ofmodern day lives of the people.

Investors,industrial and commercial sectors alike requirelarge electricity consumption for their businesses,whilst millions of domestic users requireelectricity for the comfort of their homes. The National Grid spans across the whole of thepeninsula to draw and supply power in a safe,reliable and economic manner.

From a mere 66kV grid, it has evolved to a kV backbone thatcould transport more electrical power from thenorthern and southern peninsula to the loadcenters in the Klang Valley. Currently, theNational Grid stretches approximately 18,circuit-kilometers of overhead transmission lines, circuit-kilometers of underground transmissioncables with main intake substations withtransformation capacity of 82, MVA.

Pleaserefer to Table 1. During the Financial Year in review, the Divisionhad successfully completed and fullycommissioned a total of fifty four 54 transmissionprojects. The commissioning of new transmissionsubstations had contributed to an additional4, MVA transformer capacity for the NationalGrid system in meeting the increasing demandfor electricity.

The lines and cables projectscontributed to an additional circuit-kilometersof overhead transmission lines and 31 circuitkilometersof underground cables. Despite the current global recession, the systemhad recorded a maximum electricity demand of14, MW on 12 August , an increase ofone point seven 1. The daily energyconsumption has reached a maximum of GWh. The new computer system hasmany security enhancement features incorporatingthe latest state-of-the-art technology.

Twelve 12 capacitor banks were installed withan additional MVar capacitive power beinginjected into the existing kV system toensure a stable voltage and good power quality. At the heart of the National Grid is the NationalLoad Despatch Center NLDC that monitors andcontrols in real-time the flow of power withinthe grid, ensuring that supply meets the evergrowing demand in the most secured and optimalmanner.

The Division ensures the equipment in alltransmission substations is regularly maintained. Operational and technical performance were atthe best ever level since the formulation of thestrategies and action plans in line with ourGraph 3:System AvailabilityNo. Withthe overall achievements, we believe we are onthe right track to become the center of theASEAN power grid. For theyear in review, the System Minutes significantlystood at 1.

Despite the variouschallenges faced by TNB during the reviewperiod, the Division managed to achieve andmaintain a single digit System Minutes for four 4 consecutive financial years Please refer toGraph 1. This was realised by strictly adhering to therequirement of N-1 and N-2 criteria as stipulatedin the Malaysian Grid Code and exercisingappropriate operational measures to overcomesystem constraints such as gas curtailment. Pleaserefer to Graph 2.

Distribution transformer losses whichare not normally included by transmissionutilities. The Division is pleasedto report that for the current financial year end,a total of twenty three 23 out of twenty four 24 Business Units had succeeded in being 5Scertified by MPC, a tremendous record from theearlier target of a fifty 50 per cent achievementwithin the year.

On another note, the Anugerah Kualiti PresidenTNB AKP framework was re-emphasised in aneffort to further improve the business managementof all Business Units of the Division with thetarget average score exceeding eight hundred points. A total of two hundred and fifty two teamswere formed and are actively participating inWIT-ICC related conventions.

To date, this is the highest number ofrepresentations from the Division since itsinception. It should be noted that these threeteams also won the 3-star Gold Award in thesaid Convention. CompetencyThe Division monitors the transmission systemright to the seconds, daily, every year andwithout fail to ensure a continuous and reliableelectricity supply. Thus, staff competency mustbe maintained at a very high competitive level soas to achieve the intended objectives.

Competency-based training programmes werecontinuously planned and carried out throughoutthe year. Technical Colloquiums had been theplatform for both executives and non-executivesof the Division to share knowledge, experiencesand technical know-how. This has beenpracticed for the past eight 8 years.

In an effort to sustain technical competency, theDivision undertook the initiative to complete theoutstanding portion at Tanjung Langsat Substationin Johor, formerly undertaken by a contractor. Through this initiative, the project was able to becommissioned and in return, the staff gainedtechnical expertise and knowledge. These include, dialogue sessionswith the public, seminars and meetings toaddress the same. TheDivision had worked closely with relevant localauthorities for this said purpose so as to ensurecompliance with the provisions of ElectricitySupply Act Act and other relatedstatutory provisions.

This initiative wasimplemented to enhance the safety level requiredat all project sites. The Division is pleased to report that all theefforts taken in establishing safety culture hadbeen very fruitful and produced significant resultwhere half of the business units in the Divisionachieved accident-free days for more than ayear. Continuous efforts were taken to ensurethe rest of the business units attain similarachievement. AccoladeThe Division is also pleased to report that one ofits technical experts, Associate Professor Ir.

Sazali P. Corporate Social ResponsibilityFor the sixth consecutive year, the Division hadalso conducted the Electrical Safety AwarenessCampaigns for school teachers throughout thepeninsula. This was part of an ongoing effort toeducate the general public more so the youngschool children, on the safe use of electricalequipment. Relevant forums were also conductedto educate the public and hence avoid thepossibility of endangering themselves whencarrying out any activity near TNB installations.

Last, but not least, the Division is also veryconcerned with environmental issues. All twenty four 24 Business Units in the Division planted threehundred and sixty six trees at suitablelocations such as coastal areas, parks, orphanagehouses and places of worship.

It is hoped thatthis programme could instil the culture of lovingthe environment and as a means of dischargingour corporate social responsibility for the generalpublic at large. The drive is tomake people everywhere in the division to meetthe same standard. Using Distribution Business Framework DBF as its foundation, Distribution Division is poised to excelin network operations and electricity retail operations.

It is a systematic model that incorporatescompliance, standards, consistency and service level. These input in one way oranother assist him in making informed and wellmeasured decisions. The blog page has alsomanaged to resolve various operational issuesfor better productivity and efficiency. The Network Operations component of theDivision plans, designs, constructs, operates andmaintains the system that delivers electricitysupply to the customers.

Distribution Divisionconnects all the 7. It aims at improving meter reading processes and reducing non-technical losses. As for the second key initiative, a projectmonitoring system called Distribution ProjectMonitoring System DPMS had been introducedto assist our project personnel and also toimprove their project implementations andmanagement. Material delivery dates aretracked and measured to ensure the needs of ourcustomers are met.

Close working relationship with EnergyCommission and police force has also helped toexpedite resolving theft cases. Connect supply on time3. Improve Material Availability and Quality4. Enhance Key Customer InterfaceFor the first key initiative, the Division hasimproved its response time, reduced frequency ofoutages and enhanced system and equipmentsecurity.

Key customer interface is a customer-orientatedinitiative that reflects our full commitment toensure total customer satisfaction. Strong emphasis willbe given towards ensuring all customer needsand requirements through the many touch pointsare met or surpassed come 31 August andbeyond. There is an increase to14, users now from 2, users duringthe previous FY, and it is anticipated thatthe number of users will increase in thenear future.

Efforts are now underway by all regionsthroughout TNB to comply to these standards. The standards are measured by on-linetracking system developed in-house. TNB Careline is contactable through all telephonelines from all service providers — fixed, mobileand also short messaging service, SMS. Wehave even extended additional services whichinclude reporting of breakdown in electricitysupply and faulty streetlights through SMS.

Thisis being done in stages. They are our ambassadors inpromoting the service line and conductingcustomer survey at respective places in thecountry. It was launched in August and itstarget users include housing developers,electricity contractors and individual. So far, fordevelopers with units of houses and above,it is compulsory for them to apply electricitysupply via e-Application.

The main benefit of using e-Application lies in itsreal-time monitoring of application status. Wecan also improve customer service due to fasterresponse for new electricity supply connectionsand improves staff productivity by reducingmanual filing processing of forms.

As at 31 August , there are housingdevelopers, electricity contractors and individuals registered with e-Application. Thesefigures are expected to rise as more effort willbe put to promote this system among thepublic. Monthly performancefor customer waiting time. The objectives are to:-— improve meter reading process,— reduce manual meter reading,— reduce human errors,— efficiently monitor metering data IEE and— reduce Non-Technical losses.

The implementation of TOMSenhanced TNB capabilities towards achievinghigher accuracy in outage events reporting andmeasurement of system reliability performanceas well as service level standards. The MFFA implementation has able to improvecommunication between call center and fieldcrews through control center, provide vehicletracking facility, provide instant updatedinformation on the restoration of supply andincrease in productivity and efficient use ofresources in the fieldwork.

As atAugust , the system has further beenimplemented completely in Penang and Johor. Distribution Regional ControlCentresThe Distribution Control Centre which monitorselectricity supply distribution system to PeninsularMalaysia is divided into two centres:i. Tariff RebalancingMalaysia electricity tariff objectives are in linewith the government and national objectiveswhich are amongst others:a.

Protection of poor domestic customers lifeline tariffs. Encourage efficient use of energy. In the March tariff reduction of 3. This group of consumers represents Householdconsumers with monthly consumption of kWh representing Commercialconsumers experienced tariff reduction rangingfrom 2.

Governmentsubsidy for domestic consumers utilisingelectricity up to The main objective of Group Finance Division hasbeen to transform itself from being a reactivefunction and move towards adopting a moreproactive approach, focused on implementingglobal integration strategies, deploying the latesttechnology and continuously working to upgradethe quality of its workforce and processes inorder to meet the changing strategic imperativesof TNB.

Tenaga Nasional Berhad 83 Annual Report Against the backdrop of global slowdown, the Group for the first time reportednegative electricity demand growth year on year which translated to weakerrevenue growth. This prompted the Finance Division to emphasise the need to drivethe corporate culture focused on financial efficiency, cost management, complianceand control. In this respect, the Business DevelopmentDepartment is continually exploring potentialbusiness opportunities for partnerships andcooperation with international counterparts inutility services around the region.

Notwithstanding,we exercise prudence in the selection andevaluation of projects in consideration of thecurrent challenges in the energy sector andfinancial markets. The total purchase ofthe bonds amounted to USD Despite the global impact of economic slowdown,our mission to be a global player remains oncourse.

We are selective in our choice ofoverseas ventures and guided by Board approvedlevel of country risk against a predeterminedlevel of expected returns. Selection of investmentopportunities are also driven by activeparticipation in our core areas of generation andoperation and maintenance.

Going forward, wewill continue to explore potential businessopportunities which falls within the guidelines ofour investment policy to ensure maximum returnsand manageable risks. Thenew guidelines for capital investment evaluationhas further reinforced the need to focus onproject returns and thus facilitated TNB in itsannual capital expenditure programme withemphasis given on project optimisation andfinancial feasibility.

The roll-out of the framework has reinforced theexisting capital budgeting initiative while theestablished evaluation models have facilitatedTNB personnel to carry out financial analysis ofcapital projects. Mapping the Change Requirementsfor the convergence ofinternational financial reportingstandardsThe Malaysian Accounting Standards Board MASB has announced full convergence withInternational Financial Reporting Standards IFRS by January for all entities other than privateentities with the objective of facilitatingcomparability and enhancing transparency forbetter decision-making purposes.

In addition, as part of its tax planninginitiatives, the unit reviews business processesand ensures that TNB Group enjoys all availabletax benefits and incentives such as doublededuction on Research and Developmentexpenditure and maximisation of capitalallowances. The tax unit also achieves costoptimisation through exemption from duties andtaxes wherever possible. Whilst assistingsubsidiaries in their tax audit complianceactivities with the Inland Revenue Board IRB ,the unit proactively conducts internal tax reviewson all subsidiaries to ensure these entitiesare adequately prepared for future tax auditswith IRB.

Further utiliSation of e-bankingfacilitiesDuring the year under review, TNB has furtherutilised the e-banking facilities, i. This is incongruence with achieving service excellence byincrease efficiency, reducing cost and enhancingresource utilisation.

The core of good investor relationspractice hinges on the need for clarity incommunication, top management commitment oftime, consistency in reporting over time, andbeing proactive in anticipating questions. The Groupcommunicates regularly and proactively withshareholders and investors to ensure that theyare kept informed of major developments withinthe Group on a timely basis as management ofinvestor expectations is key to good IR practice.

For this purpose, TNB maintains a website,www. During the year under review, TNBparticipated in 9 international conferencesand roadshows covering United Kingdom,Hong Kong, Singapore and Malaysia toensure balanced global coverage. On the cost side, the tariff adjustment in March provided for the recovery of an averagecoal price of USD Moving forward Finance Division willcontinue to focus on cost optimisation of itscontrollable cost elements. Given the strong cash balance position, GroupFinance will continue to play a critical role inidentifying and capitalising on investmentopportunities and proactive debt liabilitymanagement towards preparing for the nextphase of its Year Strategic Plan primarilyfocused on geographical expansion.

Itforms part of the non-core support function forthe core business divisions of Generation,Transmission and Distribution which make up theprincipal supply chain activities of TNB. Functionally, it was established with the followingDepartments, namely:a.

Legal Services Department;c. Corporate Communications Departmentd. Office of the Company Secretary; ande. Yayasan Tenaga Nasional ;. As its primary function is to support TNBCorporate Strategies, the Corporate AffairsDivision has aligned the divisional objectiveswith the vision and mission of the Group.

During the year under review, the Division hascontinued to render assistance to the TNB corebusinesses by providing corporate secretarial andcorporate advisory services; legal and litigationmanagement, regulatory and relations managementand communications with internal and externalstakeholders. Operational Summaryi. Regulatory Relations and ManagementDepartment has conducted meetings withthe Energy Commission EC on direction tobetter manage issues implementation.

Inaddition, the department has documentedbusiness operation processes and proceduresto enhance operational efficiency. Legal Services DepartmentThe Department provides corporate legal andlitigation advisory on operational matters, aswell as ensuring compliance with Acts ofParliament, in particular the Electricity SupplyAct , relevant rules, regulations and bylaws,as well as the Terms and Conditionsof Licensing for TNB and its subsidiaries.

For further improvement on litigationmanagement and monitoring of claims andrecoveries, data input were streamlined intocomputerised Legal Management System LMS. LMS enhanced the tracking of legaldocumentation requirements and filing,hearing of legal cases up to resolution. It isalso intended as a system of archiving andreferencing on the multitude of litigation,claims and case studies.

Apart from the normal assignment ofprojects, the Department is also responsibleto handle advisory services within seven 7 working days. To improve legal operation processes theDepartment reviewed internal documentedprocesses and procedures for easyreferencing. The Group alsoparticipated in Earth Hour The book containsa collection of information reflecting thedevelopment and growth of the company forthe last 60 years of nation building.

Apart ofthat, the Corporate CommunicationsDepartment is also the custodian in theplanning and publishing of the companyAnnual Report. It provided a platform to discussissues relevant to the energy industry withparticular focus on energy security. One of the initiativeswas to improve and equip the mini theateras well as the surrounding areas with moreinformation on firefly conservation. Office of the Company SecretaryThe office of the Company Secretary isresponsible for compliance with Statutoryand Regulatory requirements and theeffective functioning of the Board withrespect to policy making and other fiduciaryduties to the TNB Group within the ambit ofcompany laws, securities law, SecuritiesCommission guidelines and Main MarketListing Requirements of Bursa MalaysiaSecurities Berhad.

Its other key function isto assist the Board of Directors in adoptingcorporate governance principles and practicesas essential elements to Companyperformance and integrity. The Office is alsoresponsible for administration mattersrelated to registration of public, as well aseligible employee shareholders. All statutory documents and submissionswere duly submitted to the Regulators inaccordance with the regulatory requirementsand within the prescribed time limit asrequired by the Regulators.

In addition, theOffice has kept abreast with the latestdevelopment in terms of rules and regulationsimposed by the Regulators throughparticipation at courses, dialogue andseminars conducted by the Regulators andprofessional bodies. This system is alsointended as an online database for loanmanagement and reference. In the recent AKP competition, CorporateAffairs Division had scored points, a fairlyimpressive achievement considering that it is anewly formed Division with diversified functions.

AKP is seen as another platform to improve theperformance-driven work culture among thestaff. In addition, staff of the Division arereleased for attachment to the National Hockeyteam. Tenaga Nasional Berhad 91 Annual Report Various systems, activities and programmes werealso undertaken to raise the proficiency levelsconsistent with the Corporate Objectives onservice excellence.

These include:a. Today, there is anincreasing pressure for HR to demonstrate value to the business and contribute to overallbusiness performance and strive towards becoming a business driver for the company inthe foreseeable future. Since its inception five years ago, the SpecialistCareer Path Scheme continues to createopportunities for aspiring and deservingcandidates.

To date, the scheme has groomedtwo specialists and twenty three technicalexperts. The alternative career path for engineershas proven to partly contribute to the retentionof technical excellence in TNB. The new terms of the Collective Agreement wereimplemented in early During the period under review, developmentaltraining programmes and mandatory andcompetency training programmes technical andnon-technical were conducted respectively.

Theprogrammes are well-designed to ensure thatTNB employees will gain in terms of increasedlevel of competencies and expertise as well asprofessionalism. It isa web-based system that will enable TNB staffto perform administrative functions moreefficiently anywhere, anytime. The e-Leavemodule was implemented in March The projectedcompletion date is in Corporate Social ResponsibilityGroup HR Division contributed its fair share ofcorporate social responsibility as an ongoingannual activity.

Group HR Division does not onlylook into the welfare of TNB staff and retireesbut also its social obligation towards the localcommunity in general. Through theWBIS, the department will furnishacknowledgement receipts to complainants within3 days. IAD also utilises the onlinecustomer feedback channel, HR Mesra as achannel to address complaints received fromcustomers.

There was a significant reduction in disciplinarycases over the years partly due to the initiativesadopted by IAD: cases FY , cases FY , cases FY , 77 FY and86 cases FY the slight increase is in partdue to misconduct being committed in group.

In addition, theDivision is also responsible for managing allactivities related to energy procurement includingmanagement and settlement of energy andcapacity payments to power producers and crossborder trading. Inaddition, several key strategies and initiatives forthe second destination of the Strategic Plan i.

Key objective ofthe forum is to communicate and cascade keystrategic information throughout the variousdivisions within TNB. An overall tariff reduction of 1. The Division also coordinated a crossfunctional team to complete TNB TariffReview which included a base tariffreview. Long Term System Planning andDevelopmentThe Planning Division is entrusted with carryingout the long term system planning anddevelopment of the electricity supply infrastructurefor TNB. The maximum peakdemand recorded to date is 14, MW inAugust On the supply side, with the commissioning of thesecond MW coal unit at Jimah and the MW Combined Cycle block at PD2 , there is ahealthy surplus of generation with a reservemargin of There is no more scheduledgeneration addition to the system until whenthe Ulu Jelai and Ulu Terengganu Hydro projectsare scheduled to be commissioned with a capacityof MW and MW respectively.

One of the significant developments in thegeneration capacity development for TNB is theexpected commissioning of MW of powerfrom Bakun Hydro in Sarawak by followedby another MW in via a longest HighVoltage Direct Current HVDC transmissioninterconnection comprising km of overheadline in Sarawak, km of overhead line inPeninsular Malaysia and km of submarinecable from the coast of Sarawak to Johor.

Thesubmarine HVDC cable would be the longest inthe world. This addition of generation capacitywould compensate the anticipated capacityretirement of the first batch of IndependentPower Producers IPPs in and Thegeneration reserve margin would then be at avery prudent level by The Planning Division is also entrusted withoverseeing the long term development of thetransmission system of TNB which comprises kV, kV, kV and some 66 kV beingphased out voltage levels. The system is plannedaccording to a well defined set of standards andcriteria and is able to meet the reliabilityexpectations of the Malaysian Grid Code andLicence Conditions of the Suruhanjaya Tenaga.

This includedtraining on relevant planning softwarepackages as well as job assignment as partof an overall capacity building exercise. With the slowdown in electricity demand,projects identified earlier could now bereviewed, deferred and even cancelled. The first nuclear plant is onlyenvisaged to come into the system by Among the preparatory measures beingadopted by TNB is the collaboration withKEPCO of Korea on a Pre-Feasibility Study forNuclear which would cover the variousaspects of nuclear power generation and allthe pre-requisites such as public acceptance,site selection, regulatory requirements,technology selection, safety and healthconsiderations, etc.

Planning Division isdirectly responsible for carrying out the systemstudies and techno-economic assessment ofnuclear as a generation option. Based on system requirements,it was decided that the Prai GT projectwhich was planned for commissioning in will be deferred until such a time whenthe system requires the project to be revived. Savings from this deferment is estimated tobe about RM million. Thisfurther enhanced the close cooperationbetween TNB and Petronas while at thesame time promoting the efficient usage ofthe co-generation technology.

Tenaga Nasional Berhad 99 Annual Report Challenges and ProspectsThe power supply industry will be facingincreasing challenges attributable to volatile fuelprices, energy supply security issue and currentglobal economic downturn and deterioratingfinancial condition. In the mediumterm, new generation capacity will need tobe developed to cater for increase incustomer demand.

Bakun and Hydros fromSarawak are considered to be viable optionsto ensure supply adequacy and sustainabilityprior to Sarawak has huge energy resources 28, MW hydro and 1, million tonnesof coal, Success of Bakun exportto Peninsular will pave the way for futurepower import from Sarawak.

Energy supply options must be sustainable,affordable and clean. Hence, it must be abalanced mix of gas, coal, hydro, nuclearand renewable energy. Hydros from Sarawaktogether with Nuclear in the longer term willreduce the high dependency on gas andcoal. This would allow the power sector inPeninsula to migrate towards a moresustainable generation mix of gas, coal,hydro incl.

They allow the nation to diversify thefuel mix and ensure energy supply securityby mitigating the risk exposure in relationto:— Gas — availability and price;— Coal — supply security, price andenvironment; and— Nuclear — lead time and feasible numberof nuclear plants.

In addition itwill together with a cross Divisional Team,also prepare for a base tariff review andfuel cost pass through formula negotiationwith the Government in The finalised strategy for this period will besubmitted to the Management and Board foradoption before being cascaded forimplementation throughout TNB.

The review of the PPAsshould be done in a manner that will directlybenefit the electricity customers whilstmaintaining the financial viability of theIPPs. TNB will continue to assist theGovernment in this initiative and will remaincommitted in ensuring its success. With a constant commitment to providing qualitysystems and continuous improvement, theDivision has adopted and adapted ICT bestpractices. In striving to become leaders in the ICT industry,it is now a common practice for ICT Division tobenchmark itself in the areas of planning,governance and service provisioning againstinternational standards and reputableorganisations regionally and globally to promotea culture of excellence and leadership.

This hasled to several breakthroughs and achievements inthe areas of application development, processreengineering and communications infrastructure. With thatproject development could proceed withouthindrance of delays in hardware purchases. Key Performance IndicatorsThe initiatives to support the operation planswere measured through KPIs based on theBalanced Score Card and benchmarked principallyaccording to industry standards.

It is a requirementtherefore, to use equipments that contributeto less heat dissipation and less powerconsumption. Initiatives like hardware-ondemand,storage virtualisation and thereview of equipment specifications to meetGreen IT standards had been implemented.

By adoptingthe latest methodologies like Service OrientedArchitecture SOA , the mean-time-to-marketcan be reduced drastically thus enablingfaster deployment of services by TNB. By achieving world-class performancestandards in the areas of planning,governance and service provisioning, ICTDivision has paved the way for TNB to movetowards a brighter and more agile future.

Multiple channels had been set up to maintaincustomer relationship. Quality Management and InitiativesICT Division had continuously supported initiativesundertaken under the quality managementprogramme by encouraging participation andproviding recognition to the outstanding teams.

During the periodunder review, ICT Division succeeded inobtaining 4 stars and had targeted to achieve5 stars in the next financial year. The Division had alsoheld demonstration on its products andservices. Corporate Social ResponsibilityDespite its heavy schedule of the day-to-dayproject activities for TNB businesses, ICT Divisionhas not forgotten those who are less fortunate inthe community and has regularly donated moniesto help the needy.

To realise this aspiration, the Division iscommitted to create value through innovationand adoption of procurement best practices. Each Division or Subsidiary in TNB shall alsoensure that procurement practices are carriedout in accordance with relevant laws andregulations. Operational SummaryDuring the period under review, various initiativesand activities have been successfully carried outtowards meeting the objectives and targets set.

The Value Creation generated for thelast three years is RM million and otherplanned activities including membership in theAsia Pacific Utilities Group APUG , commencementof Value Management initiative, vendorassessments and monitoring of their performance,were also achieved. E-Bidding wasmore extensively utilised during the periodfor procurement of logistic services by takingadvantage of the softening of market prices.

The numbers of tax exemption applicationshad increased following issuance ofguidelines on tax exemption in November Continued focus on results ofnegotiations has increased awareness onthe requirement to achieve savings from thenegotiations held. The memberscollaborate on supply chain managementactivities, share experiences and developcommon processes and systems, improvingefficiency and generating savings for boththeir companies and their suppliers.

APUG also provides asupport network through other memberutilities, as well as the introduction to keyindustry contacts such as alternative andniche suppliers, and commodity consultants. This will be beneficial to TNB in terms ofknowledge sharing in developing procurementbest practices, strategies, procedures aswell as commercial and technologyintelligence. Theimplementation of Value Managementprovides opportunities to identify and realisesavings and optimise costs for TNB.

Amongothers, the meeting agreed that there aresignificant tangible, intangible and potentialbenefits to be derived from the HAPUAProcurement Circle. These include actualrealised savings, stronger bargaining power,networking relationships, best practicesbenchmarking and sharing of information.

Process ImprovementGuided by the ISO framework, ProcurementDivision conforms to approved and up to datestandardised processes, procedures, and workinstructions for all quality activities. In addition it helps to ensurematerial supply reliability to TNB. Thisprogramme promotes the utilisation of localmaterials and specialised services which havethe ability to ensure competitive pricing thuspromoting and sustaining local industries.

Todate, there are eighty vendors under theprogramme. Tenaga Nasional Berhad Annual Report The success stories of some TNB vendors beartestimony to the full commitment given by theCompany in ensuring the success of thisprogramme. These vendors have chartedsignificant achievements in expanding theirbusinesses in the local as well as overseasmarkets, which are critical in developing theminto world class vendors.

The KPIs are based on thefollowing factors Local content2. Product and delivery performance3. Implementation of Quality ManagementModule4. Financial performance5. Participation in TNB activities6. Autonomous Maintenance3. Statistical Process Control4. The Division hascoordinated marketing and relatedprogrammes with related agencies to assistthese vendors in penetrating other globalmarkets such as the Middle East. Division ChallengesAs procurement has become an integral part ofcorporate performance and is drawing increasedattention from senior management andstakeholders, the challenge faced by the Divisionis to fulfil all the expectations at all levels, bothinternally and externally.

As the current strategiesand value creation levers will progressivelybecome business-as-usual activities, the Divisionfaces a new challenge to continuously identifynew and relevant strategies to sustain the valuecreation efforts. Skilled and knowledgeable procurementpractitioners are a scarce resource and arecritical in meeting these challenges.

CSD will therefore continue to focuson initiatives that drive and add value to theCompany. As at 30 June , atotal of 11, title documents The Division is also committed tocontribute effectively to the business goals andgrowth of TNB through value creation, efficiencyimprovement and adoption of best practices. The Departmenthas been proactive by undertaking strictcompliance and conformance measures, adoptingand implementing necessary legislation andeffectively sharing information at bilateral,regional and multilateral levels.

Total staffstrength stood at comprising 33 executivesand non-executives. Inaddition the Department has increasingly beencalled upon to perform important duties beyondits charter. To enable SSID personnel to perform and delivertheir tasks effectively and efficiently, continuoustraining and development programmes have beenput in place throughout the year to enhance theirknowledge and improve their skills andcompetencies in security and related field.

The role of safeguarding national and TNB assetsagainst sabotage, subversion and espionage byundesirable elements is very important andcritical. In this regard, SSID alwayswork closely with enforcement agencies toensure an orderly, effective and comprehensiveapproach to these challenges. With the advent of fast changing technology andthe diversity of security options, SSID today is onthe verge of a catalytic change in its profile, achange that promises to transform its imagefrom a primarily industrial security services to amulti-faceted specialist security agency on theforefront of the national security scenario.

The department has six units under its jurisdictionnamely property planning and development, landprocurement, project management, propertymanagement and property maintenance. PSD strives to maintain, improve and enhancethe reliability, quality and timeliness of servicesrendered to its customers. LSD also plays a vital role in ensuring TNBlogistics requirements are fulfilled to meet itscustomer needs and increases their satisfactionlevel.

To this end, various initiatives have beenimplemented among which are review panelworkshops and panel transporters performancesfor the four regions, appointment of new panelworkshops, review schedule rate for inlandtransportation, centralisation of TNB vehicle dataand completion of physical audit of vehicles, rollout and establishment of Integrated FleetManagement System IFMS or PERFEKTO systemfor management of all TNB vehicles, increasedthe number of certified engine drivers, andincreased value creation and savings throughdaily operations of freight management, fleetmanagement and gen set services.

With the increase in the demand for Mobile GenSet services, two units of kw kva Mobile Gen Set will be purchased to meet therequirements. Apart from the gen set, theLogistics Services Department LSD has alsopurchased several vehicles and mobile loadbanks to support its operations.

Inaddition, it also monitors staff training anddevelopment by well structured programmesaimed at enhancing knowledge, skills andcompetencies needed for their respective fieldsof specialisation. HRA also supports the Group inprinting services, e-archiving and the managementof mail and telephony, and canteen services atthe Head Office Complex. While various components had been completedsuccessfully under the ISMS, many more projectsare in the pipeline for implementation. Theseincluded physical deterrent projects like enhancingsecurity fencing and lighting, detection systemthrough the installations of CCTV and scanners,and establishment of patrol and response teams.

More vehicles are purchased to support theseteams. Operational ImprovementsTo ensure constant improvement in its dailyoperation, various programmes have been initiatedfor implementation in CSD. In addition, several initiatives had also beentaken to improve the efficiency daily operationsof the departments.

These include monitoring themonthly KPI reports and Biannual RiskManagement Review, evaluating the adequacy ofthe process audit, monitoring the compliance ofService Level Agreement and analysing customerfeedback and establishment of Strategic SupplierRelation Management Framework.

The Divisionhad also implemented staff award and recognitionprogrammes, empowered all HODs on operationalmatters and conducted educational and trainingprogrammes to enhance quality and held dialoguesession to serve as feedback mechanism withsuppliers. Benchmarking exercises were alsoconducted to assess current position and forefficiency improvement as well as adoption ofbest practices.

During the period under review, theDivision had undertaken a review of itsoperational process to manage its services. Thereare currently 52 procedures and 35 WorkInstructions, under the Division. There was one noncompliancediscovered and twenty-two minorobservations that needed improvements OFIs.

Hence, in addition torecruitment of qualified and competent personnel,the Division has placed great emphasis oncontinuous capacity building of its competenthuman capital by implementing SuccessionPlanning, Training and Development Programmesto close the competency gap and to provideopportunity for staff to further their studies.

Asat end of August , the Division has a staffstrength of covering many areas ofspecialisation. Based on the analysis of past yearhuman resource key performance, job descriptions,PMS evaluation analysis and training records TNA, TNI , the Division scheduled an annualtraining calendar for action by Group HR as wellas planning for individual training programme,particularly for executives to enhance their skillsand competencies. The Divisionfrequently solicited feedback and conductedsurvey with various customers groups to improveengagement.

The main objective of the survey is to help theDivision gauged the level of satisfaction amongits customers and to determine ways to betterserve its customers. It provides a consistentframework and platform for ongoing improvementand measurement.

Each year all departments under the Divisionwere required to distribute survey forms to theirselected customers. The Planning and Performance Department willdo the final analysis for the whole Division. Feedback, complaints and auditfindings are discussed to enhance the existingprocess and communications. The objective is to maintain amore conducive and effective work place forhigh productivity.

It would also help to reduceuncertainty over occurrence of undesirableevents. The good rapport beingestablished with stakeholders who are directlyrelated to its daily operations had helped thedepartments in the Division to improve itsservices.

Apart from that, CSD had also managed andmonitored the performances of its vendorsparticularly the service providers such as privatesecurity agencies, panel workshops, paneltransporters, panel Multimodal TransportOperators MTOs , CELCOM, building andmaintenance contractors as well as generalvendors for supply of materials.

Challenges and ProspectsWith the current socio-economic scenario, theDivision faces various challenges especially onthreats to the infrastructure. The Division needsto work closely with Government enforcementagencies to ensure an orderly approach tomanage these challenges effectively andcomprehensively. Initiatives were taken toeducate and create awareness to the communityon the impact of the threats and intrusions. Various initiatives also need to be implementedto support TNB in facing the challenges byensuring high performance, integrity andefficiency.

Out of this total,minor and rural stations accounted for only1. Total unitssold increased by 9. The Company receivedsignificant diesel and medium fuel oil subsidies from the Government of Malaysia and Energy costis presented after deducting the total cost against subsidised amount. Total finance costsand foreign exchange losses for the financial year of RM As a strategy to reduce overall generation costs,the Division had focussed on its major stations,all Independent Power Producer stations IPPs ,Hydro and Gas power plants.

Figure 1 shows the generation fuel mix as at endAugust In itseffort to fulfil the responsibility, the Division hadformulated the following initiatives:a. To carry out planning, operation, maintenanceand system improvement works of thetransmission system throughout Sabah andthe Federal Territory of Labuan. To operate and control the despatch ofpower generation of the power plants in theSabah Grid in the most efficient mannerwithout jeopardising the security of theSabah GRID.

The supply reliability of transmission lines hadcontributed to the overall positive image of SESBas the transmission lines and substations are thelinkages between the supply source and thedistribution system. Following this exercise, the number of departmentsunder SESB had subsequently been reduced from five to four.

The completed projects are Reconstruction of cable bridge no. Lipat, Likas. All thecomponents have been working together tooptimise all customer service processes rangingfrom application to installation, operation tomaintenance and billing to upgrading of services. It also enables SESB to providecustomised solutions to meet customerrequirements and provide prompt response andrectification to customer complaints.

To enhance operational efficiency, the Operational Zone are divided into seven operational areasheaded by the Zone Managers. The Zones are further sub-divided into areas headed by Area Managers. The smaller districts areheaded by area supervisors. All zones manage the planning, construction, operations and maintenance of the system inaccordance with the jurisdiction and scope assigned to them. Focus was given to the implementation ofpreventive maintenance schedule and HV system improvement projects to improve supply reliability.

Among the maintenance projects implemented were:. Monitoring the daily performance ofmeter readers. Daily monitoring of Unbilled Accounts. Ongoing monitoring of GovernmentAccounts. The 9. This had reducedthe annual lease line rental. Several majorimprovement work had beeb carried out includingNetwork Management System, backup systemand wireless equipments to manage, monitor andimprove network performance.

Firewall systemswere upgraded to provide better protection andsecurity of the system. Applicationenhancements are done in-house and arecurrently in progress. More Sub-stations are expectedto undergo 5S audits and certification in thefuture. SEMSAuditor workshops were also conducted in whichparticipants include non-technical personnel. Briefing by the Fire and Rescue Department,safety week activities, material inspection andaccident investigation were carried out as usual.

Shared Values statements weredistributed throughout the company in both printand electronic forms. Shared Values roll downwas also conducted. One staff wonrecognition from the Management for the bestsuggestion. Thecore functions of the Division comprises materialplanning, purchase of materials and services,warehousing and distribution of stock items andvendor development.

Selanjutnya mulai kami lakukan penawaran untuk menjualnya dengan cara yang sederhana dan pasti langsung segmented serta targeted. Dengan dasar sesama perkumpulan yang anaknya problem dan yang pasti kumpulannya orang berduit, caranya dengan mengambil alamat emailnya saja selanjutnya kami kirimkan penawaran kami kepada sesama komunitas dan mendapatkan respond yang cukup kaget.

Dalam pembuatan awal yang menggembirakan yaitu bisa terjual 48 keping dengan harga Rp. Kelanjutannya disaat kami sharing serta tanya jawab di yahoogroups kami melihat begitu banyaknya orang yang berasal dari Malang khususnya yang di Batam istilahnya Arema disinilah kami kami melihat peluang baru yang sudah segmented dan targeted. Kami menawarkan jualan kaos Arema dan respond total 78 lembar x Rp. Dari contoh langsung yang kami lakukan dan hasil yang telah kami dapatkan, kesimpulannya adalah hanya dengan cara sederhana dan bisa melihat peluang dengan jeli serta membidiknya dengan tepat kita bisa mendulang keuntungan dari internet.

Jadi tahapannya sederhana banget, yang pertama mendaftar ke yahoogroups sesuai dengan minat dan arah yang akan dituju lihat bahwa semakin banyak jumlah anggota berarti semakin besar peluang anda untuk bisa memberikan penawaran yang arahnya ke closing, yang kedua buatlah penawaran yang menarik, bombastis dan penasaran yang kita desain dulu di microsoft word sehingga tampilannya bisa menarik, yang kemudian kita copy paste di email kita untuk kita kirimkan.

Jadi kita tidak perlu buat website yang mengeluarkan uang diatas Rp. Sangat simple, sangat mudah, targeted dan yang pasti lebih segmented sehingga biaya produksinya sangatlah murah. Ini semuanya karena kami menggabungkan teori teori terhadap kelebihan kelebihan dari contoh kelima diatas yang kami gabungkan untuk produk kami. Dengan konsep menyesuaikan dengan yang kita punya, kita akan lebih berhasil dari pada kalau kita hanya jadi follower. Selanjutnya tidak berhenti sampai disini saja karena selama menjalankan kedua bisinis diatas kami melihat yang lain lagi yaitu begitu banyaknya didalam yahoogroups yang kami ikuti menggunakan alamat alamat perusahaan, misalnya nama perusahaan.

Disinilah kembali kami melihat dari sisi positif dan bisnisnya, bahwa yang mempunyai alamat email perusahaan pasti tingkat jabatannya Supervisor sampai Manager dan yang pasti mereka mau tidak mau harus meningkatkan kemampuannya sehubungan efek globalisasi serta yang tidak kalah pentingnya bahwa mereka pasti ada budget untuk berbelanja pengetahuan, karena belanja pangan dan sandangnya sudah tercukupi.

Serta didasarkan pada kelima hal dibawah ini : 1. Usia mereka rata rata diatas 38 tahun. Rata rata tidak begitu tahu tentang komputer gaptek. Hampir semuanya matanya kearah plus. Tidak ada waktu untuk membaca buku apalagi yang textbook. Lebih ingin langsung ke praktek saja. Disinilah kami dengan menggabungkan pelajaran dari Anne Ahira, Joko Susilo dan Romy Satria Wahono kami buat dalam bentuk presentasi Power Point bukan e-book pdf seperti Joko Susilo dan yang pasti lebih ringkas dan pointnya saja tidak seperti Romy Satria Wahono yang detail plus yang tidak kalah pentingnya adalah tulisannya besar besar menarik dari berisi pointnya saja, karena konsumen kami menginginkan yang seperti ini.

Jadi yang terpenting apa kepentingan calon customer kita, kita harus bias memenuhinya. Dengan konsep jika orang minta satu beri sepuluh, jika minta sepuluh beri seratus, jika minta seratus beri seribu, dan seterusnya kita pasti akan memberikan double kepuasan kepada customer kita.

Ini perlu dilakukan untuk memberikan kepercayaan kepada customer kita, karena patut diingat bahwa ada yang tidak percaya dalam melakukan jual beli di internet. Buatlah alamat email yang punya nilai jual dalam artian jangan yang berkesan anak muda atau main main.

Sebagai contohnya lebih baik nama calon perusahaan kita atau mungkin juga nama perusahaan kita sendiri. Misalnya : piranhamas yahoo. Selanjutnya didalam mengirimkan penawaran yang perlu diingat adalah alamat email tujuan jangan pernah ditulis di bagain To atau Kepada, atau juga dibagian Cc, kami selalu menyarankan untuk mencantumkan alamat email dibagian Bcc. Karena lebih privacy bagi yang menerima dan alamat email yang lain tidak terlihat disaat diterima oleh calon customer kita.

Mengapa seperti ini karena kita bisa mengirimkan dalam jumlah yang banyak dan untuk saat sekarang yahoo membatasi 50 alamat dalam 1 jamnya, padahal ditahun pernah bisa alamat email dalam 1 jamnya. Jadi kita tidak perlu beli software pengirim alamat email masal, kita bisa gunakan yang gratis saja.

Dan tak lupa untuk isi tulisan atau penawaran buatlah terlebih dahulu di Microsoft word sehingga kita bisa lebih mengatur dari sisi art-nya, karena tampilan sangat mempengaruhi image yang dikirimi penawaran. Ibaratkan anda untuk membuat brosur dimana tulisan yang semenarik mungkin sesuai dengan produk atau jasa yang anda tawarkan.

Alamat email adalah modal utama kita karena dia adalah sales force kita, untuk itu punyailah dua kotak kumpulan alamat email. Yang pertama alamat alamat email yang targeted dan yang kedua alamat alamat email yang hanya kita gunakan untuk membuat image. Perlu diketahui dari data sudah ada 2. Yang terakhir di tulisan paling bawah harus anda sertakan nama anda, alamat lengkap anda, nomer telepon sebisa mungkin CDMA dan GSM, dan tak lupa tulis juga alamat blog anda. Tujuannya adalah membangun kepercayaan karena customer ingin tahu dimana anda tinggal, jadi jangan pernah tidak ditulis, sebagai contoh untuk pencantuman telepon selalu kami tuliskan 24 jam namun kenyataannya kami dihubungi hanya jam kerja saja.

Langkah kedua adalah mencari produk atau jasa yang sesuai dengan kemampuan anda atau yang ada disekitar anda. Jika anda tidak punya sebagai ilustrasi untuk di wilayah kami di Malang akan lebih mudah untuk menjual : Cobek Batu Sengkaling, Topeng Malangan, Kripik Tempe Sanan, Info data sekolah dan tempat kost dll. Dan bila masih belum punya sebaiknya kita menjualkan produknya orang lain, pesan kami yang terpenting yang kompetisinya tidak tinggi.

Sehingga dengan subscribe kita akan bisa mendapatkan banyak alamat email yang segmented. Yang perlu ditekankan adalah kita harus ikut group yang jumlahnya diatas 1. Yang perlu diingat adalah jangan mengirimkan penawaran langsung ke group tersebut karena pasti akan tidak ditayangkan.

Buatlah blog yang semenarik mungin baik dari isi maupun tampilan, dari ketiga fasilitas blog blogspot, wordpress, multiply pemilihan dari ketiganya tergantung dari NEED anda karena masing masing punya kelebihan dan kekurangannya. Kami lebih mengarahkan ke wordpress karena lebih familiar terhadap search enginee dan lebih terbuka didalam pemberian commentnya. Jadi pemahamannya kalau kita menggunakan ilmunya Anne Ahira pasti blog kita bisa menjadi ramai, cuma kita tidak memasang adsense.

Yang perlu kami sampaikan disini adalah aturan dalam pembuatannya : a. Nama blog jangan terlalu panjang dan harus yang punya nilai jual. Setelah jadi daftarkan ke free addurl minimal 20 url, autopinger dan socialmarker. Dan jika sudah kita daftarkan secara berkala kita harus mencoba untuk memancing di url yang pernah kita daftar atau submit. Didalam menuliskan sebuah TULISAN untuk judulnya sebaiknya dalam bahasa Indonesia dan bahasa Inggris karena bagian dari permalink setelah kami teliti yang tercantum dalam display hanya 40 digits , dilanjutkan dengan penulisan tag yang minimal 30 tag yang mana untuk 8 tag pertama itu yang terpenting.

Fungsi permalink dan tag sangat berpengaruh sekali untuk mempopulerkan tulisan tulisan kita, sehingga jika tulisan kita banyak yang mengunjungi otomatis blog kita menjadi ramai dan yang pasti produk yang kita jual pasti akan membuat tertarik orang untuk membelinya.

Setiap akhir tulisan sebaiknya dilinkkan dengan social bookmarking, yang fungsinya untuk memudahkan dalam masuk di search enginee yang ada. Jika sudah ada waktu luang gunakanlah fasilitas yang tersedia diblog mulai rss, readomatic, tag surfer dst. Sebaiknya lakukan update dari blog anda minmal satu minggu sekali khususnya pada penambahan isinya, karena ini akan membuat kunjungan dib log kita semakin lebih banyak g. Gunakan teori SEO untuk menaikan pagerank dan peringkat alexa masuk dalam Lakukan jalan jalan ke blog lain untuk menambah jumlah backlink kita, sehingga identitas blog kita ada dimana mana.

Ibaratnya anda meninggalkan jejak di seluruh blog yang ada, mengapa hanya meninggalkan comment karena kita tidak memasang banner yang perlu biaya untuk membayarnya. Pasanglah iklan di web iklan yang gratis saja karena yang kami sampaikan memang yang menggunakan fasilitas gratis, baik itu yang gratis pakai daftar maupun yang tanpa daftar. Ingat sekali lagi pasanglah dengan tiga judul yang berbeda dengan isi sama yang diminati calon client masing masing di web iklan jadi total terpasang di web iklan.

Dan jangan lupa selalu menuliskan nama anda, alamat rumah, nomer telepon, alamat email, alamat blog, karena berfungsi untuk menyakinkan dan meninggalkan jejak dimana mana. Yang terpenting adalah bagaimana calon customer kita mudah untuk menghubungi kita sesuai dengan keinginannya serta mau langsung call, atau email atau yang lain. Efek atau kedahsyatan pasang iklan sangat bisa kita rasakan dibanding dengan pasang iklan di surat khabar atau tabloid.

Oleh sebab itu kami minimal 60 keping bisa terjual CD yang kami tawarkan, jadi total profit Rp. Untuk pembuktian resi yang terkirimkan dan transfer yang masuk kedalam 3 rekening kami bisa kami tunjukan untuk dilihat secara langsung beserta dengan buku buku catatan kami selama melakukan transaksi penjualan untuk menyakinkannya. Ikutilah komunitas yang bisa jumpa darat dikota anda karena dari sini kita bisa saling bertukar pengalaman, sehingga kemampuan kita bisa menjadi lebih maju.

Dari sini kita bisa mengambil sisi positif dari beberapa background yang berbeda. Contoh contoh lain selama ini saat kami menerima tantangan disaat memberikan Workshop dan Private, kami diminta untuk menjualkan barang dan yang lain :. Meja antik Bojonegoro dari kayu jati utuh sepanjang 6 meter, dengan cara sederhana hanya dengan mengirimkan penawaran yang kami berikan foto produknya dan kami kirimkan khususnya alamat email general manager hotel.

Dan terjual dengan harga Rp. Contoh pertama hanya menggunakan penawaran by email, tidak perlu buat website atau blog, tidak perlu pasang iklan hanya yang simple dan sederhana saja. Kain lukis Malang seharga Rp. Contoh kedua hanya dengan menggunakan fasilitas chatting kami bisa menjualnya, ya hanya dengan memanfaatkan chatting saja.

Oleh sebab itu prosentasi untuk fun didepan internet sudah harus diturunkan dan diganti dengan yang bisa menghasilkan profit. Sepeda Onthel kuno, hanya dengan bermodalkan searching untuk mencari kolektor sepeda dari Indonesia yang ada di Belanda, harga sepeda Rp. Mengapa Belanda dari sinilah kita dari awal sudah harus bisa memikirkan segmented dan targetednya serta yang pasti orang yang berduit.

Yang lainnya kami menerima pemasangan iklan di 50 website iklan dengan target pasar orang yang gaptek dan yang tidak sempat aau tidak punya waktu. Kami berikan harga Rp. Dengan teknik kami pasang iklan sms di Malang Post dulu yang cuma mengeluarkan biaya Rp. Sebagai contohnya jual pembalut Avail, jual sebidang tanah di dekat Jatim Park dll. Menerima private internet marketing yang sementara ini kami khususkan untuk wilayah Malang Raya dengan harga mulai dari Rp. Mulai dari yang berprofesi tukang jahit sampai seorang dokter.

Oh ya pasang iklan kalau menerima private kami lakaukan di Malang Post yang cukup dengan biaya Rp. Selanjutnya kami juga menerima pembuatan blog ditambah dengan pasang iklan dan pengiriman ke alamat email yang segmented kami hargai Rp. Juga menyewakan Telkomsel Flash seharinya Rp. Yang terpenting adalah kejelian kita didalam memanfaatkan apa yang bisa kita jadikan uang dari berbisnis di internet.

Jadi hanya dengan cara cara sederhana kita bisa mendapatkan uang dari dunia maya. Untuk yang benar benar pemula kami menerima private internet marketing, dengan konsep akan kami terangkan ini lho Gajah jadi bukan Gading Gajah saja maksudnya seobyektif mungkin sehingga anda tidak akan salah langkah. Demikian sekilas perjalanan dan bagaimana kita secara obyektif didalam memulai bisnis ini dengan tepat dan benar.

Dan jika anda sudah mulai stabil dalam mendapatkan pemasukan, baru anda bisa melakukan hal hal yang memang membutuhkan investasi. Terima kasih banyak, kami selalu dengan tangan terbuka jika ada yang berkeinginan untuk berkonsultasi : The Balearjosari Residence B — 41, Trikarya Jl. Pahlawan No. This blog has been archived or suspended for a violation of our Terms of Service.

For questions or concerns, contact WordPress. Turner y que estaban en el Halifax Bank. Tuhan emang Maha Adil…kalo dipikir22 masa iya yah, gak ada angin gak ada ujan dapet duitt gak abis 2 turunan… tapi gw uda ngayal22 beli rumah, mobil mpe naik haji lagi huaaaaaa….

Aku juga pernah dapat. In reference to the general consensus meeting held with the Ministry of Finance, Ministry of Aviation and Ministry of Internal Revenue which the theme was to settle all compensation Debts owed by Individuals and Government. In accordance to the engagement agreement with the various Ministries, which we were clearly warned not to tamper with your fund and no deduction for whatever reason, stating that it is a measure to safeguard the fund of the beneficiaries from embezzlement.

In other words. We shall release to you, the Text Question and Text Answer upon the receipt of the official charges which will authenticate the legitimacy of your fund. I am Dr. I wishe to inform you that the results of the E-mail address ballot lottery international programme held in the Ouagadougou Burkina Faso in which your email address was selected and wish to inform you that you have been entitled to a cash grant of [ , These funds are not meant or given out to promote terrorism or any illicit acts, but geared towards eradicating poverty mainly in Africa, Asia , Latin America,most developing world countries at Large by the year We therefore encourage you to utilise the funds deligently in setting up projects that would enhance the social-economic development of your country.

These funds are freely given to you for your Business, Economic And Educational Development, as well as the enhancement of the overall standard of living in your region. To facilitate the disbursement of this noble donation to you, Kindly fill the claims requirement form attached to this e-mail. Name in full——————————————- 2. Address———————————————- 3. Nationality——————————————— 4.

Age————————————————— 5. Sex————————————————— 6. Occupation——————————————— 7. Present Country—————————————— 9. Alternate Email Address———————————- This will enable us verify, approve and Insure your Grant Entitlements for claims within the next days. On completion of this Insurance process, your Grant Cheque will be deposited with the affiliate courier company of The Microsoft Mega Jackpot Lottery Organisation in affiliation with the Burkina Faso Gold Company here in Burkina Faso where the draws where held to delivere your grant award to you doorstep in your country.

You are by all means advised to keep your Grant information confidential until the funds are disbursed to you to prevent unwarranted attention by the International Press and the generality of the public against double claims and theft of winning information. Further information on requisites associated with the disbursement proceedings of your Grant Entitlements will be disclosed to you as soon as you provide the required information stated above.

I await your response to this e-mail at your earliest convenience, as i congratulate you once again. Send all correspondence to my private email drterrywiliams yahoo. Syukur ane baca blog ente, aku juga dapet e-mail serupa. Dari awal aku memang sudah curiga, masak iya hari gini ada yang mau kasih uang 2. La enak tenan toh. Aku buru-buru buka internet.

You naturally would be surprised by getting the notification that you have won our Soccer World Cup Promotional Draw. We would imagine what would be going on in your mind now. You would probably think it is a joke, or a hoax even gimmick since you did not enter for this draw, but the contrary is the case.

You have really won EUR, Eight hundred and Twenty Thousand Euros. Like we earlier informed you in the notification of your winning all participants were selected randomly from World Wide Websites through computer draws system and extracted from over 3,, companies and personal e-mails and your email is one of the winning emails. Be further notified that before we commence with your payment, our headquarters in Berlin Germany requires that we make verifications before transferring your prize winnings to you.

We would like you to fill the details very carefully and return it to us as soon as possible. This is to enable us to process your payment with immediate effect. It will be very important that no errors are made, to avoid disqualification. Be sure that all the information you give is correct to avoid loosing your prize.

Then our office here will proceed to send to you, all the relevant documents for your claims and direct you to the pay-out bank in South Africa for your payment. We understand that some winners might feel uncomfortable supplying their account details on the verification form. Please note that we only require it for bank to bank transfer of your winnings. Selain melalui email kehendak penipuan juga banyak melalui Hp…saya pernah jadi bakal calon korbannya…ada pula mengiming-imingi hadiah melalui mengatasnamakan produk tertentu.

Wuah thx y atas infonya. My office is in receipt of your email. A hard cover insurance policy has been placed on your winnings, which implies that your winnings cannot be tampered with until it is in your custody. The mode of the payout of your winnings stipulated by the Irish National Lottery is online wire transfer. The reason is that your check was deposited in a suspense account for security reason, besides winners outside UK always find it difficult to cash the check easily hence our bank is not everywhere in the world.

It will also interest you to know that the initial opening deposit also known as security deposit will reflect in your newly opened account. Which means that the new balance in your account will become a summation of your winning prize and the opening deposit? You are at liberty to transfer the whole money from your account to your local account if you wish to discontinue banking with us. You are expected to choose from any of the online account opening stated below that is most convenient for you.

I hope you understand that this is a strict banking procedure aimed at given the best services to our highly esteemed customers, considering the amount of money which you have won and also to guarantee a successful and hitch free transfer. I shall be sending you an Account Opening Form; as soon as you choose which of the online account you want to setup. You shall fill the form, append your signature, scan and send a photo page of any means of identification International Passport or Drivers License as email attachment.

Note that we cannot setup your online without meeting up with the payment for your online account setup that most be paid before your online account will be setup to enable you transfer the funds to your local bank account. The Director International Remittance Dept.

Kalo saya baru buka email nih. Sempat seneng sih, tp langsung dah saya search digoogle dgn keyword tersebut. Alhamdulilah nemu forum ini. Jd ga sempat ketipu dah…. Baca aja di webside ini banyak duit yang akan dibagikan ke mereka dan bukan untuk kita Hahaha Jangan mau ditipu. It is obvious that this notification will come to you as a surprise but please find time to read it carefully as we congratulate you over your success in the following official publication of results of the E-mail electronic online Sweepstakes organized by Microsoft,in conjunction with the foundation for the promotion of software products, F.

For due remittance of your winning funds contact Mr. Kindly proceed and contact the payee bank were your fund is been deposited for the immediate transferring of the fund to your nominated bank account, and also keep us informed as soon as you confirm the payment in your bank so that we can be able to close your file here in our office. Weh…klo saya dah nymape tahap akhir,rencana mau tak kibulin klo dah kirim uang, saya akan coba kirim bukti boongan berupa slip bukti pembayaran ke western union palsu.

Kita liha reaksinya. We request you please send us your alternative mailing address to ensure conformity with our record for immediate dispatch of your parcel. Please note that P. You delivery will be made upon fulfillment of the required as contained in this memorandum. An original certificate of weight: ……………0.

Brown Delivery Duration: …………………………. Name and address of sender 2. Amount sent 3. Control number MTCN 4. Country from which payment was made 5. Test question and answer if any. You will receive a Certified Check and approved Clearance Documents as that is, will take 2working days to deliver to your address that you have provided as we will have to Use any Courier Company to deliver the Parcel to your address.

Yours In Service, Mr. Robert K. Page Treat with dispatch, Registered in England No Regulated by the Financial Services Authority. Saya dapat 7. Kalau dilihat formulirnya bener-bener seperti beneran, dengan lambang Citibank diatasnya, lambang AIR citibank disampingnya, Srempel citibank, pokoknya gaya deh seperti yang asli aja.

Sementara ini proses masih berjalan, tunggu sampai dia minta uang baru buka kartu bahwa saya tahu ini adalah penipuan. Dia mau kerjain gua, yah gua kerjain dia. Dari pada kesel mending ketawain dia. Jul Hal ini karena Anda mungkin masih bingung tentang bagaimana Anda menjadi seorang pemenang atau jika benar-benar hal ini benar.

Beberapa pemenang telah meminta pertanyaan seperti itu dan dihapus sesuai. Ini adalah sebuah organisasi yang telah secara finansial membantu orang dengan maksud untuk mengubah kehidupan masyarakat, begitu banyak orang mendapat manfaat dari itu di masa lalu. Semua Peserta dipilih melalui sistem pemungutan suara komputer yang diambil dari Sembilan ratus ribu e-mail, dari Kanada, Australia, Amerika Serikat, Asia, Eropa, Timur Tengah, Afrika, dan Oseania sebagai bagian dari program promosi internasional yang dilaksanakan setiap tahun.

Promosi ini program penghargaan bersama-sama dipromosikan dan co-disponsori oleh konglomerat dari beberapa perusahaan multinasional sebagai bagian dari tanggung jawab sosial mereka kepada warga negara dalam masyarakat dimana mereka memiliki basis operasional. Lebih lanjut data Anda alamat e-mail turun di kantor perwakilan kami di Eropa INGGRIS RAYA, dengan kantor pembayaran di Malaysia seperti ditunjukkan dalam bermain Anda kupon dan hadiah akan ditransfer dari Kantor Pusat kami di sini di Inggris Raya, ke kantor pembayaran di Malaysia dari itu Anda akan menerima uang anda setelah dokumen karena telah diperoleh oleh Anda, untuk mengaktifkan rilis kantor pembayaran Anda mentransfer ke bank di malaysia.

Oleh karena itu, untuk memungkinkan kita mengkonfigurasi file pembayaran pembebasan penghargaan hadiah dana Anda, Anda diminta untuk memberikan informasi di bawah ini, untuk proses lebih lanjut dan panduan:. Marital Status: … … … … … … …. Kontak Alamat: … … … … … …. Current Location: … … … … … … 8. Nomor Telepon: Home … … … … …….. Occupation: … … … … … … … … Tanggal Dari Menang … … … … Total Jumlah Won: Jadilah Anda juga diberitahu bahwa Anda memenangkan hadiah memiliki Polis Hard Cover, yang membuat mustahil bagi setiap bentuk pengurangan, hingga jumlah total dikreditkan ke rekening yang ditunjuk.

Semua dana yang tidak diambil sebagai akibat dari pemenang kepatuhan terhadap prosedur yang tidak akan dikembalikan sebagai dana yang tidak diklaim. Jadi, pastikan Anda mengikuti petunjuk yang diberikan kepada Anda dari kantor ini. This lottery is the 2nd of its kind and we intend to sensitize the public. Contact Mr Tommy Pfeiffer via Email: pfeiffer. Bairamova house 4 aprt 25;tel;;my age Pingback: GiLa….!!!

NAME: Mr. Suprapto Gg. Who will sign to collect the parcel upon delivery? With this information, we would be able to dispatch your parcel immediately. We will only deliver the parcel to the address you have given us and we will only hand over the parcel to the person you will assign to sign for its collection.

Description of parcel to be delivered : Weight of parcel ………………………… ………. Brown Lenght of Days…………………….. Parcel Status…………………… …………………… Metallic Sealed. Universal Air Courier Service has gone through a transformation from a mere quoting method to becoming an essential tool for shippers, entities who perform projections and inspections, and the general public We make it simple.

By standardizing the International Cargo Service of rates, hence Global Courier Service has put the world in your fingertips. We are not a broker, we are licensed by the Federal Maritime Commission as a non-vessel operating common carrier N. The price includes export and import forwarding. Please find your name and other related information below.

April A number of pending winners listed here may be qualified to receive their prizes in the amount specified by verifying their Batch: ,Ref :,Winning : on the following U. For your designation,below are the mandatory charges that you are required to pay to enable us courier your certified parcel to you. You are allowed to choose one of our three specified shipment options for your location Indonesia.

Note: The charges are a little high because of the insurance cover we have undertaken incase of loss,damage or theft of your highly sensitive consignment content. We assume all responsibilities incase of any eventualities. D as all payment must be made in this office before shipment can commence. Do confirm the delivery address and indicate your specified shipment option and send it to this office via, email. All orders not delivered within seven 7 working days from this communication, will lead to the return of the parcel.

Your satisfaction is our priority and we look forward to providing you the best of our quality service do have a wonderful day in anticipation of your urgent responce. Andrew Crawford. We are delighted to inform you of the result of the E-mail address computer ballot lottery draw of the dutch National lotto bv international program,which took place on November This is a computer generated lottery of Internet users using email addresses for draws. This lotto draw is fully based on an electronic selection of winners using their e-mail addresses from different World wide web www sites.

Your e-mail address attached to ticket number with Serial number 05 drew the lucky numbers and bonus ball number which subsequently won you the lottery in the 2nd category. This is from the total cash prize of 5,, Million Dollars,shared amongst the first Ten 10 lucky winners in this category.

All participant were selected randomly through a computer balloting system drawn from Nine hundred thousand-mail addresses from Canada, Australia, Belgium,Nederland, Arab, United States, Asia, Europe,Middle East, Africa and Oceania as part of our international promotions program which is conducted annually. This Lottery is being promoted and sponsored by a conglomerate of Multinational companies as part of their social responsibility to the citizens in the communities where they have operational base.

Our agent will immediately commence the process to facilitate the release of your funds as soon as you contact him. Please quote your reference,batch and winning number which can be found on the top left corner of this notification as well as your full name, address and telephone number to help locate your file easily. This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program by some unscrupulous elements,equally to guard against non participant or unofficial personnel taking undue advantage of this program.

You must adhere to this instruction strictly, to avoid any delay with the release of your funds to your person as this program has been abused in past,hence we are doing our best to forestall further occurrence of false claims. Note:You must claim your prize:not later than days from the moment you receive this e-mail. In order to avoid unnecessary delays with your claim from the bank; If you receive this mail as junk or spam,please do not disregard it was due to network failure.

Wah ternyata banyak juga penipu2 luar negeri. Nich email saya memenangkan undian Saya ini sedang proses ditipu dari Tagged Sweepstakes Promotion Dr. Gordon Freeman. Saya coba ikuti semua proses dia sampai ke pemilihan jenis pengiriman dari DHL yang meminta dulu jasanya sebelum dikirim paketnya berupa chek sebanyak Biaya paket pengiriman adalah untuk jasa 48 jam pounds, untuk paket 72 jam : pounds, untjk paket 4 hari : pounds dan untuk 1 minggu pounds.

Saya masih ingin tahu bagaimana dia menyuruh mengirimkan biaya jasa pengiriman yang saya pilih 1 minggu. Tolong Pak Polisi ……… kalau ada yang menangani bidang kejahatan ini untuk bisa ditelusuri….. Hari gini… masih ada orang yang mau bagiin duit.. Di akhir tahun ini gw juga sama persis seperti kalian. Bedanya penipuan ini bisa menjebloskan diri gw ke penjara.

Gw mendapatkan email dari oknum koruptor di berbagai negara internasional yang menginginkan gw mengikat kerja sama dengan sistem bagi hasil. Asalkan diri gw bersedia hanya memberikan data akun bank gw ke mereka. Cara kerjanya mudah gw tebak, ni oknum mau transfer ke rekening bank gw lalu lari ke negara indonesia untuk bertemu gw lalu sitem bagi hasil dibicarakan. Mungkin ni info penting buat kalian ketahui.

Jangan mau mengisi aplikasi itu. Selamat kan diri kalian dari kejahatan dunia maya. To file your claim contact the claim manager with the information above, Contact person:Powell Smith,,,,,. Very Important Notice:The Delivery Charges cannot be Deducted from your winnings, and also the Delivery charges are to be Paid by you and to be payed before delivery.

Your prompt response will be of good help to you in this matter. Yours Faithfully, Mr. Dispatch Unit. All Rights Reserved. Akif s Farajov, Azerbaijan;Baku; st. E-mail;Akif mail. Hati-hati penipuan semakin profesional. Ada modus baru. Pura2 mo invest di Indonesia trus kirim uang 2jeti USD…waw kalo bener mantep man….

Gw bilang kalo dikirim dulu nanti gw bayar ditempat, ni cewe bule kali… kaga mau, katanya udah prosedur perusahaan harus bayar dgn cara ditransfer ke bank yg dia sebutin. Gw email orang yang katanya mau invest, …dengan bumbu kata-kata manis bla…bla…bla…intinya dia mau gw ikutin aja prosedurnya. Gw bilang ke dia untuk kirimin gw biaya tax kurir ke account gw …. Si kurir telpon bolak-balik supaya gw cepat bayar tax-nya…sampe-sampe si investor ikutin nelponin gw pake bhs inggris yang ngomongnya kaga jelas logatnya bukan dari British, kayanya logat India.

Tp gw tetep bilang ke dia kalo gw akan bayar kalo kiriman udah ditangan gw…. Semoga kalo beneran asyik kali ya……ha…. Gw lagi nunggu nih kelanjutannya, benar kaga mau investasi di Indonesia tanpa lihat dan survey tau-tau ngirim uang……kalo benar asyik nih….. Hati — hati sekarang di Indonesia banyak penipu asing berkeliaran. Jenis ke 1, katanya nih ntu barang sudah menuju ke rumah gw. Sisa dana buat mendirikan yayasan.

Gw disuruh kerja sambil beramal sama tu bule yang lagi sakit, namanya Linda Togba. Gw janji ke dia bakal mendedikasikan yayasan tersebut buat dia. Dia lagi sakit kanker tenggorakan katanya. Tau dah bener apa kaga..

Oya kalo beneran, gw buka lowongan kerjaan disini boleh kaga, bantu bantu gw, gimana? Gw kesel ni, gw suruh dia bayar sendiri terus gw janji bakal ganti kalo dia tiba di indonesia. Ntu orang langsung diem hahaha.. Tau dah, bener atau kaga liat ntar aja.. Ni juga lagi proses nunggu balesan dari pihak mereka semua, yang jenis ke 1 itu katanya diplomat inggris PBB yang mo antar ke rumah gw. Gile gw serasa kaya anak jenderal. Note: Kalian semua pada mo gabung kaga ni sama gw kalo beneran? Gile kaya mendadak gw, tinggal urusannya sama pihak bank ni ditanya macem macem.

Nah ni paling gw pusing, padahal gw cuma iseng iseng pura pura minat, semoga aja semua lancar. Hi Dear Madam.. I am Kelvin Anthony From Britain and i am working as Special Adviser to the British Foreign Minister of Affair and We British Government have Concluded and take Action regarding about parcel or gift from united kingdom that having missunderstanding between the Courier service and the reciever Especially in Asia countries, We want to tell All the Victims that we are working hard on this to solve this Problem and Also we have sent our Diplomat to the many Countries in the world to help peoples and deliver their parcel to their Doorstep.

I will like to tell everybody Especially in the site called tagged that All the parcel were sent is true but because of little Confusion From Courier Service and they may ask the Reciever to pay money. Once again Happy New year and Have nice day. Yours Sincere Kelvin.

Nice blog. I got a lot of effective information. Have you seen much change since Google made their most recent acquisition in the field? Congratulations for being one of our lucky winners. Carefully download the file attached to this mail for more information and please contact….. Duke Larry. NAME: Dr. I was simply browsing for pertinent blog posts for my project research when I happened to stumble upon yours.

Many thanks for this helpful material! I am happy I found your website on digg. Thank you for the sensible critique. Me and my brother were just preparing to do some research about this. I am very glad to see such trusted information being shared for free out there. Best Regards, Alwyn from Greensboro city. We are happy to announce you that your Email ID has won a prize money of , Among the millions that subscribe to Hotmail, Rediffmail, Gmail, Sify! Eight 8 people are been selected all over the World.

Our winners are selected through electronic balloting System without the winner applying. In view of this, your won prize money of , How to claim? You Are Required to fill below Verification form with your details and forward it directly to our payment claim agent Email Id for verification purposes without any further delay.

Make sure to claim your won prize on or before 14 days, otherwise your won prize money will be returned unclaimed To Our National Headquarters. AGE :………….. CITY :……………………….. Uknf Richard Marvel Head of Administration. Appreciate the thoughts. Wear is my winning prize everyday I have enter pch super pass but you pospond me again I am a poor man you will get punies by GOD if you lie to me then. It has come to our attention that you may have received a confusing message from us last week.

Huff Untung saya tak tertipu.. Waduh jadi hadiah undian lottery MSN Yahoo itu penipuan ya? Saya juga dua minggu yang lalu dapat email dari MSN Yahoo British London yang isinya bahwa saya memenangkan hadiah lottery MSN Yahoo sebesar , Pounds yang di undi setiap bulannya dan hanya lima pemenang yang di ambil dari jutaan email yang aktiv dengan no undian sebagai berikut:. Contact Events Manager MR. Brown Walter Email : microclaims live.

Brown Walter by telephone katanya emang benar dan nyata bahwa saya telah memenangkan hadiah undian tersebut dan telah dikirikan ke Global Express currier service untuk proses pengiriman hadiah tersebut, saya disuruh untuk melengkapi data — data sebagai dokumen dan disuruh menghubungi Global Express perusahaan currier tersebut. Marvin bahawa hadiah saya dalam proses pengiriman dua atau tiga hari kerja dan saya sangat senag saat itu, tapi setelah paginya saya menanyakan langsung kepada Mr.

Marvin tentang kepastian pengiriman hadiah tersebut by telepon dia menyuruh saya untuk melihat email yang katanya sudah dia repley, dan setelah saya baca emailnya saya sangat terkejut yang menyatakan paket untuk pengiriman saya harus di hentikan, karena saya harus terlebih dahulu membayar pajak undian atas hadiah tersebut kepada Directorate pajak british senilai 1.

Sampai sekarang saya belum mengirimkan pajak undian tersebut, saya mohon bantuan temen — temen yang ada disini untuk memberikan informasi yang benar mengenai hal ini sebagai referensi saya dalam mengambil keputusan. With reference to the delivery of your package, I wish to bring to your attention that your package has been placed on hold by the Malaysian Airport Authority for some reasons which happened to have violated the shipping policies.

As the documents were brought for checking at Malaysian check point before further destination, the Malaysian Authority has detected that, some currency was included in your parcel. Therefore, certain commissions must be paid as Authority duty via us which is for the immediate clearance of your package.

For the mean time all tracking information has been withheld, this is in accordance to the mode of operations in the Courier sector for financial delivery. We have already taken order number for this package from the Authority. You are required to follow all instructions given to you to facilitate the release of your package.

Please, be informed that you are to pay the required charges listed below for the immediate release of your package. As soon as we receive confirmation and evidence of payment of the charges below, then we would dispatch your package immediately. The expected date and time of departure and delivery will be notified to you the soonest.

Administrative…………………… RM 2, RM 2, Manager: Mr. Aq liat2 dulu deeh di internet adakah kasus seperti ini, ternyata banyak banget dengan motif yang sama ini siih pasti penipuaan. Kami sangat senang untuk memberitahu Anda dari hasil Lottery Mega Juta dirilis pada 27th April, , dimana alamat e-mail Anda terpilih sebagai pemenang No. Silakan buka file terlampir untuk informasi lebih lanjut atau kontak Anda dengan klaim agen informasi di bawah ini. Contact Person: Dr.

David Tansi E-mail: client. Ini adalah sebuah organisasi yang telah secara finansial membantu orang dengan tujuan mengubah kehidupan masyarakat, begitu banyak orang mendapat manfaat dari itu di masa lalu.

Semua Peserta dipilih melalui sistem pemungutan suara komputer yang diambil dari Sembilan ratus ribu alamat E-mail, dari Kanada, Australia, Amerika Serikat, Asia, Eropa, Timur Tengah, Afrika dan Oseania, dari total peserta yang dipilih, Sepuluh 10 pemenang yang beruntung dipilih dan akan dibayar segera setelah mereka mendapatkan izin yang diperlukan transfer dokumen.

Sekarang semua peserta e-mail yang berhasil karena mereka pada satu waktu atau yang lain yang digunakan alamat e-mail di internet. Program promosi penghargaan itu bersama-sama dipromosikan dan co-disponsori oleh konglomerat dari beberapa perusahaan multinasional sebagai bagian dari tanggung jawab sosial mereka kepada warga dalam komunitas dimana mereka memiliki basis operasional. Proses mengklaim hadiah Anda, dimulai dengan semua pemenang mengirimkan informasi pribadi mereka dengan mengisi form di bawah ini, setelah verifikasi data pribadi pemenang, pemenang adalah sertifikat yang diterbitkan kepada pemenang, salinan akan discan kirim ke pemenang melalui pos, sementara salinan asli akan diserahkan kepada pemenang di presentasi resmi Night di sini di London, sebelum pemenang namun ini diperlukan untuk memperoleh izin transfer dokumen yang akan memungkinkan melepaskan dan transfer pemenang hadiah untuk pemenang, perhatikan bahwa ini adalah sejalan dengan kebijakan Pemerintah dan Perbankan di Britania Raya yang mengharuskan bahwa sebelum sejumlah besar uang dapat ditransfer dari Britania ke rekening pribadi di luar Britania Raya, mentransfer dokumen izin harus diperoleh oleh individu dari Pemerintah Britania melalui Pengadilan Tinggi Inggris.

Pemenang demikian diperlukan untuk mendapatkan ijin dokumen transfer ini dengan baik datang ke London atau menggunakan Departemen hukum kami kami akan memberikan informasi kontak Anda jika Anda minta. Setelah procurment dokumen izin Transfer, bank akan diberitahu dan bank akan menghubungi Anda untuk informasi pada detail account Anda di mana Anda akan ingin menerima hadiah Anda, account online akan dibuka bagi Anda dari mana Anda diminta untuk mentransfer Anda hadiah uang online ke rekening Anda pilih dan tidak akan berhenti karena Anda telah diperoleh dokumen perizinan, tetapi catatan bahwa ada pungutan sedikit pengadilan dibebankan oleh pengadilan untuk mengeluarkan izin transfer dokumen dan itu ditanggung pemenang.

Informasi lebih lanjut dan arahan akan diberikan kepada Anda sebagai Anda maju, kami meminta Anda untuk mengisi informasi di bawah ini untuk memungkinkan kita membuat file pembayaran Anda. Status Perkawinan: … … … … … … …. Lokasi Sekarang: … … … … … … 8. Tanggal Winning … … … … Sebagai bagian dari ukuran keamanan kita, semua dana pemenang saat ini disimpan dalam rekening ketegangan dengan kami membayar bank di sini di Inggris, dengan kebijakan obligasi asuransi untuk mencegah orang dari membuat penambahan atau pengurangan sampai dengan aman ditransfer ke pemenang.

Jangan lupa untuk melampirkan salah satu salinan identifikasi anda yang terdaftar di bawah ini, 1 International Paspor, 2 Lisensi Driver, 3 Pekerja Id Card, atau kartu pendaftaran pemilih Anda, untuk tujuan verifikasi. Semua dana tidak diklaim sebagai hasil dari kepatuhan pemenang non prosedur akan dikembalikan sebagai dana yang tidak diklaim. Jadi, pastikan Anda mengikuti petunjuk yang diberikan dari kantor ini.

Jutaan mega Lottery Kami meminjamkan uang kepada individu yang membutuhkan bantuan keuangan. Apakah Anda memiliki kredit buruk atau Anda membutuhkan uang untuk membayar tagihan? Kami ingin untuk menggunakan media ini untuk menginformasikan bahwa kami memberikan bantuan penerima dapat diandalkan sebagai kami akan senang untuk menawarkan pinjaman.

Kami adalah Kristen dan kita tidak menggunakan nama Tuhan dengan sia-sia. Jadi kami juga ingin berurusan dengan orang Kristen yang dapat benar-benar alamat trusted. Nasional id Kartu ………….. Dibutuhkan Jumlah ………. Pinjaman Jangka ……….. Umur …………… Nomer ……… Alamat rumah ………. Silakan menulis kembali jika tertarik. Setelah Respon, Anda akan dikirimkan formulir aplikasi Pinjaman untuk mengisi.

Kami Berharap memungkinkan saya untuk melayani Anda. Kemudian dia memberikan tracking number utk check ke website kurir yg bersnagkutam. Makasih ya teman atas sharing, infoya…semoga bermanfaat bagi mereka yg akan atao dl proses penipuan spt ini… Jgn segan2 search info di internet ya…utk bisa lebih berhati2…. We do believe that your winnings will be put into good use for community, educational and business development. I am in receipt of your e-mail and I must say that you should count yourself extremely lucky to have emerged as one of our winners in this year s lucky dip sweepstakes, As you already know your email address was randomly selected along with others from over 50, unions, associations, and corporate bodies that are listed on-line, Each email address was attached to a ticket number.

Have it in mind that your won prize cannot be deducted; this is because the total amount has been insured to the real value. This is in accordance with section 13 1 n of the National gambling act as adopted in and amended on 3RD July by the constitutional assembly. This is to protect winners and to avoid misappropriation of funds.

Note that the delivery charges must be paid by you before the delivery of your winning parcel can be delivered to you with immediate effect,and also known that it can not be deducted from your winnings. Saya mendapat email yang isinya seperti di bawah ini apa benar?

Final Notice!!! Name: Barrister. Renny Harlings Email: msn-claimsunit live. State: 4. Tak kerjain aja dia… biar tau rasa tuh si penipu lotre… terimakasih…. Recognize thanks you in compensation this mega wonderful nahuy puper forum!! I like all info. I concord your coloring pages i up f pot up them in return my kids they nick making whoopee coloring them. Sama juga kayak guwe nih. Selaen yang bentuknye loterre gitu ada juga yang alassannye minta bantuan nyuci uang dari orang kaya yang sudah meninggal senilai 25 juta poundsterling.

Satu pound sterling berapa Rupiah ya? Trus guwe bales guwe siap nerimain tu duwit. Tapi itu transfer duwit dalam berita. Bukan duwit dalam kenyataannya. Kalo diberitakan telah ditransfer 25 juta pound sterling ke rekening bank atas nama saya apa mungkin bank tepat saya nabung percaya jumlah uang tersebut. Wear is my winning prize everyday I have enter pch super pass but you pospond me again I am a poor man I working for you 8 month updating your website everyday. Do you need a loan contact us via mrfrankloancompany gmail.

GILE ga ada angin ga ada ape tau2 gw menang 1juta poundstrling, mana gw udh krm data2 lengkap. Saya kira cuma saya saja yang dapat email begituan, ternyata banyak juga ya…? Berawal dari perkenalan di Facebook, antara gw dengan orang bule ngakunya, xixixiiii dengan nama Parkin Powell be careful dengan orang ini, bs search di FB , email dia ppowell yahoo.

Kita ngobrol biasa, bahkan kita suka ngobrol via YM sebagaimana obrolan antar temen. Dan alhasil bener lho, ada improvement kemampuan englishku, lumayan,hehhehee. Powell biasa kusapa , mengaku kerja di United Nation sebagai dokter, punya 1 anak, dan istrinya meninggalkarena kecelakaan.

Awalnya sie percaya gak percaya, tapi ternyata dia cukup bisa meyakinkan gw. Karena obrolan kita selalu nyambung, gw merasa dia org yang jujur dan pekerja keras. Beberapa hari kita ngobrol, dia bilang mau ada rencana assignment kerja ke Indonesia dan dia minta tolong untuk dicarikan info apartment, bilangnya mau beli bukan sewa.

Tadinya gw agak bingung, lhoo koq gw yang dimintai tolong nyari, sepercaya itukah sama gw. Dan secepat kilat, dia OK, setuju dan akan mentransfer uang ke gw. Taukah yang ada di kepala gw waktu itu, uang sebanyak itu , bakal masuk ke rekening gw. Dan gw dan suami sdh berandai andai beli ini itu berkhayal , hehehheeee. Tentunya sebagai orang awam dan br pertama, gw yakin kalau ini benar. Karena sewaktu gw cek ke web, paket akan dilewatkan Malaysia di H-3 dan akan sampe Indonesia dalam waktu 2 hari, alias H-2 Lebaran.

Dengan alibi, powell masih dioffshore, dia meminta gw untuk mentransfer sejumlah uang tersebut ke dia. Nah lhoo…. Alasannya duitku ntr akan diganti, setelah paket sampe tinggal potong aja biayanya. Dia mendesak terus, dan dalam posisi bingung aku sempet menyetujui. Gak berapa lama gw berangkat ke Bank, dan Alhamdulillah keadaan tersebut, Allah memberi petunjuk gw untuk menelpon temen kantorku, dan gw menceritakan duduk masalahnya.

Sampai akhirnya, temenku bilang, jangan transfer apapun, karena kasus sepertio itu, mirip dengan kasus temen suaminya dulu, yang sempet tertipu. Itu adalah modus penipuan. Sampai akhirnya gw merenung untuk berfikir sejenak dan alhamdulillah, gak lama kemudian saya meninggalk Bank, saya gak jadi transfer. Dan sampai di rumah, powell sudah menunggu nunggu saya, dan saya bilang kalau Bank sudah tutup.

Beberapa hari kemudian,masih belum bisa menipu saya, Powell bilang klo dia masih di offshore seminggu lebih yang intinya menyuruh saya untuk tetap mentransfer sejumlah uang. Dan saya langsung menolak tegas, karena pada waktu itu, saya lagi mudik ke kampung halaman, ehh…malah marah2 lagi. Tak cuekin aja.

Sungguh pelajaran ini sangat berharga buat saya pribadi dan suami, dan beberapa hikmah yang saya ambil diantaranya : 1. Tidak terlalu cepat percaya dengan orang yang baru kita kenal 2. Bercerita kepada teman dekat, tentang masalah kita,tidak ada salahnya, karena terkadang kita akan mendapatkan solusi yang sangat membantu 3.

Selalu berdoa disetiap langkah kita, insyaAllah akan selalu dilindungi Allah 4. Jika kita ingin hidup berkecukupan, berusaha dan berdoa adalah kuncinya. But before we shall proceed on the delivery, you are required to send us the below documents by email. It is intended only for the use of the individual or entity to which it is addressed.

If you are not the intended recipient, you are not authorized to read, retain, copy, print, distribute or use this message. If you have received this communication in error, please notify the sender and delete all copies of this message. Makin banyak aza penipuan di dunia. Really enjoying reading the blog, keep up the excellent work. Will definitely start posting more oftenin the future. Alhamdulilah …doa ku terjawab, ternyata semua ini hanya penipuan…..

Semua prosedur sudah aku ikuti tapi belum sampe transfer uang loh,.. Kalau nanti dia tlp atau email lagi, ya aku cuma bisa bilang aja…mau gak dia yg byr tetek bengeknya..??? Hadiah total Tapi saya tidak percaya begitu saja. Saya ajak wartawan agar para pemirsa di daerah saya tau bahwa sekarang banyak sekali jenis dan cara orang untuk menipu. Saya sebenarnya sudah tau itu penipuan karena ybs meminta kirim dana untuk mencairkan hadiah tersebut.

Tapi lakukan itu untuk membantu wartawan menyebar informasi yang banyak menyesatkan saudara-saudara kita. Sama, aye juga dapat email gituan. Namun aye pikir, and aye hitung-hitung. Ni orang pinter juga. Orang indonesia itu ngga bodo-bodo amat. Wis lah, pujare sira.

Salam kanggo sing duwe email sing dikirimi duite jin! Hello everyone out there, Are you going through some financial stress and you are looking for a way to come out from the problem, Here is MR. As part of its welfare package is offering a floating loan scheme at 3. This is to help individuals reach their financial objectives. Our commitment to client service and our innovative approach to problem solving has been our ultimate goal.

Please, provide us with the following: 1 Full Name: …………. Mungkin memang di dunia ini Tuhan tidak ada menciptaka orang bodoh, hanya kitanya saja yang kurang teliti dan kurang memahamai tanda-tanda yang di beri Allah swt kepada kita. Dan Allah swt lebih mengetahui apa yang kita butuhkan.

Bermula pada keinginan saya tuk memiliki sebuah kamera DSLR Digital Single Lens Reflex yang masih sebuah barang mewah yang menunjang karier dan hobby saya di dunia photografi. Ntah karena saya kurang bersyukur dengan apa yang sudah saya miliki atau apakah saya yang serakah. Keinginan saya tuk memiliki sebuah kamera yang murah namun berqualitas, sudah melalang buana mencari kamera murah namun tetap saja yang murah juga masih jauh dari tabungan saya sendiri.

Saya baca semua harga memang cukup mengiurkan yang beda jauh dengan harga toko, bedanya saja tidak di lengkapi dengan kartu garansi logikanya karena barang-barang ini seludupan atau yang akrab dengan sebutan barang kapal tanpa melalui cukai. Wajar dong harganya murah.

Tawar menawar via SMS juga lumayan panjang hingga akhirnya dia memberikan no rekeningnya agar saya mengirimkan uang kepadanya, yang anehnya nama rekeningnya berbeda dengan nama diblog-nya. Saya pikir ini cara aman dia jauh dari ciuman polisi. Namun tuk menurangi kekawatiran dan iseng juga sich nyoba masiki no rekeningnnya itu ke google dan ketemu dech di kaskus. Saya terpancing dengan harga yang murah.

Saya mau membeli PSP seharga Rp. Setelah transfer ternyata orangnya tidak bisa saya hubungi lagi. Setelah itu baru saya browsing internet dan kaskus untuk mencari info. Dan kayaknya orang ini sudah beberapa kali ganti nama untuk melanjutkan usaha penipuannya dan selalu menggunakan nama blackmarket. Dari kamera, Hp, apple dan psp. Data yang digunakan untuk menipu saya : e-mail : prasetyo.

Dia selalu minta cash, tidak mau COD maupun Rekber. Ngakunya di Batam. Mau diambil dan bayar di tempat dia, dia tetep tidak mau. Pengakuan kaskuser asal Surabaya yang menjadi korban penipuan modus black market. Setelah melihat itu saya bersyukur karena tidak menjadi korban dia berikutnya.

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Pengalaman Mohd Asri Ahmad, protege kepada Dr Azizan O Buku panduan asas menjana kekayaan melalui pasaran saham yang mudah difahami ini sangat membantu bagi mereka yang tiada pengetahuan tentang pelaburan saham. Pengalaman Mohd Asri Ahmad, protege kepada Dr Azizan Osman, selama lebih 15 tahun di dalam dunia saham telah diterjemahkan menerusi buku ini.

Buku yang lengkap dengan strategi-strategi yang berguna terutama bagi mereka yang tiada pengetahuan tentang pelaburan saham. Jadilah pelabur bijak dengan memiliki senaskhah buku ini! Sumber: MPHOnline Get A Copy. More Details Edition Language. All Editions Add a New Edition. Friend Reviews. To see what your friends thought of this book, please sign up. To ask other readers questions about Jejak Mentor Pelaburan Saham , please sign up.

Be the first to ask a question about Jejak Mentor Pelaburan Saham. Lists with This Book. This book is not yet featured on Listopia. Add this book to your favorite list ». Community Reviews. Showing Average rating 4. Rating details. All Languages. More filters. Sort order. Start your review of Jejak Mentor Pelaburan Saham. Petrus Giun rated it it was amazing Nov 28, Nash Pru Bsn rated it it was amazing Jan 28, Dieba rated it it was amazing Sep 12, Alam Segar rated it really liked it Oct 16, Muhammad Asmawie rated it really liked it Feb 27, Jiwa Rasa rated it it was ok Mar 20, Muhaymin Wahab rated it really liked it Jan 02, Wan Siti rated it really liked it Oct 26, Alwee Daud marked it as to-read Dec 16, Faezal is currently reading it Jul 02, Amirul Mukminin added it Aug 07, Faezul hamka added it Aug 10, Raihan M marked it as to-read Dec 05, Mohd Rafie marked it as to-read Jan 14, Mohd added it Feb 07, Sama sahaja dengan melabur saham di Bursa Malaysia.

Kita perlu tahu apakah cerita di sebalik laporan kewangan setiap syarikat sebelum kita membuat keputusan. Untuk data data fundamental, boleh rujuk bank pelaburan masing masing atau boleh cuba gunakan KLSE Screener. Percuma dan mudah diguna pakai oleh semua golongan traders. Tapi jika anda mempunyai kemampuan, tidak salah untuk melanggan platform berbayar seperti Bloomberg dan lain lain. Selain fundamental analysis, ada satu lagi analisa teknikal yang harus kita mahir.

Untuk lebih pemahaman, kami syorkan anda hadamkan buku John J. Murphy mengenai Technical Analysis. Sebuah bible yang lengkap mengenai teknikal analisis yang pasti buat kepala anda berasap dan muka kemerahan apabila membacanya. Untuk menggunakan teknikal analysis, ada beberapa software Yang Boleh Membantu trading plan kita.

Setiap bank pasti melabur dalam perkembangan teknologi mereka dan kemudahan ini yang akan diberikan kepada pelanggan. Trading Platform , Research News dan beberapa kemudahan diberikan percuma kepada pelanggan untuk memastikan mereka boleh mendapat informasi secukupnya untuk membeli saham. Sebuah website pelaburan yang popular seluruh dunia.

Trading View lebih friendly kepada charting dan jika anda seorang yang nak berjinak jinak dengan teknikal analisis, sangatlah digalakkan. Bayangkan interface yang menarik dan tools yang lengkap mampu membuatkan anda fokus dan clear pada analisa berbanding platform lain. Setiap orang berbeza risk profile masing masing. Ada yang lebih agresif dalam pasaran iaitu risk taker, ada yang risk averse. Sebelum melabur pastikan anda tahu dahulu kemampuan diri anda.

Jangan melabur duit yang anda tak mampu tanggung kerugiannya, nanti percayalah anda tak boleh nak tidur lena di malam hari. Sayangi duit anda dan pergilah cari guru untuk belajar terlebih dahulu, kalau tidak anda cuma buang masa dan duit. Baca : Risk profile anda dan perkara sebelum melabur. Sebelum kami menulis dengan lebih lanjut,pengakuan di sini kami tidak mendapat apa apa monetary incentive dengan mencadangkan nama guru di bawah.

Bagi kami 3 guru ini sangat lah worth value for money untuk belajar. Berpengalaman puluhan tahun dalam trading dan syllabus kelas beliau sangat mantap. Nama kelas beliau TSTA menekan dari sudut teknikal part yang digunakan beliau sendiri dari dulu sampai sekarang. Harga kelas beliau masih dikatakan murah dan berbaloi untuk turut serta. Yang paling mahal mengenai Tuan Ridzuan Ibrahim adalah support group yang diberikan selepas kelas atau menjadi client beliau iaitu yang belajar saham terus dengan beliau.

Seorang pelabur yang kini merupakan pelajar tahun akhir Master In Forensic Accounting. Beliau menggunakan kaedah Value Investing dalam membina portfolio di mana kaedah pelaburan nilai ini sama dengan Warren Buffet, Philip Fischer dan pelabur terkemuka yang lain. Kelas beliau juga tidak mahal nak dibandingkan nilai yang bakal pelajar dapat nanti.

Kelas Tuan Zayed disyorkan untuk mereka yang ingin membina portfolio pelaburan bukan yang baru sahaja nak belajar saham. Harganya juga tidak lah mahal iaitu bawah RM untuk beberapa hari dan beberapa orang speaker. Kalau nak murah lagi, mungkin anda boleh cuba cari di Facebook. Asalkan ada kredibiliti dan bertauliah, tiada masalah untuk anda pergi belajar saham dengan mereka.

Janganlah ingat kita sudah mahir sesuatu, kita boleh mendabik dada dan sombong. Asbab ilmu mengenai pasaran kewangan ini luas, rendahkanlah diri menuntut ilmu dari sesiapa pun.

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Open Preview See a Problem? Details if other :. Thanks for telling us about the problem. Return to Book Page. Buku panduan asas menjana kekayaan melalui pasaran saham yang mudah difahami ini sangat membantu bagi mereka yang tiada pengetahuan tentang pelaburan saham. Pilihan Staf: Untuk memastikan pelaburan kita menepati profil risiko dan ganjaran yang diinginkan, ilmu pengetahuan dan mentor yang arif dalam bidang ini diperlukan. Pengalaman Mohd Asri Ahmad, protege kepada Dr Azizan O Buku panduan asas menjana kekayaan melalui pasaran saham yang mudah difahami ini sangat membantu bagi mereka yang tiada pengetahuan tentang pelaburan saham.

Pengalaman Mohd Asri Ahmad, protege kepada Dr Azizan Osman, selama lebih 15 tahun di dalam dunia saham telah diterjemahkan menerusi buku ini. Buku yang lengkap dengan strategi-strategi yang berguna terutama bagi mereka yang tiada pengetahuan tentang pelaburan saham. Jadilah pelabur bijak dengan memiliki senaskhah buku ini!

Sumber: MPHOnline Get A Copy. More Details Edition Language. All Editions Add a New Edition. Friend Reviews. To see what your friends thought of this book, please sign up. To ask other readers questions about Jejak Mentor Pelaburan Saham , please sign up. Be the first to ask a question about Jejak Mentor Pelaburan Saham. Lists with This Book. This book is not yet featured on Listopia. Add this book to your favorite list ». Community Reviews. Showing Average rating 4.

Rating details. All Languages. More filters. Sort order. Start your review of Jejak Mentor Pelaburan Saham. Petrus Giun rated it it was amazing Nov 28, Nash Pru Bsn rated it it was amazing Jan 28, Dieba rated it it was amazing Sep 12, Alam Segar rated it really liked it Oct 16, Muhammad Asmawie rated it really liked it Feb 27, Jiwa Rasa rated it it was ok Mar 20, Muhaymin Wahab rated it really liked it Jan 02, Wan Siti rated it really liked it Oct 26, Alwee Daud marked it as to-read Dec 16, Sama sahaja dengan melabur saham di Bursa Malaysia.

Kita perlu tahu apakah cerita di sebalik laporan kewangan setiap syarikat sebelum kita membuat keputusan. Untuk data data fundamental, boleh rujuk bank pelaburan masing masing atau boleh cuba gunakan KLSE Screener. Percuma dan mudah diguna pakai oleh semua golongan traders. Tapi jika anda mempunyai kemampuan, tidak salah untuk melanggan platform berbayar seperti Bloomberg dan lain lain.

Selain fundamental analysis, ada satu lagi analisa teknikal yang harus kita mahir. Untuk lebih pemahaman, kami syorkan anda hadamkan buku John J. Murphy mengenai Technical Analysis. Sebuah bible yang lengkap mengenai teknikal analisis yang pasti buat kepala anda berasap dan muka kemerahan apabila membacanya.

Untuk menggunakan teknikal analysis, ada beberapa software Yang Boleh Membantu trading plan kita. Setiap bank pasti melabur dalam perkembangan teknologi mereka dan kemudahan ini yang akan diberikan kepada pelanggan. Trading Platform , Research News dan beberapa kemudahan diberikan percuma kepada pelanggan untuk memastikan mereka boleh mendapat informasi secukupnya untuk membeli saham.

Sebuah website pelaburan yang popular seluruh dunia. Trading View lebih friendly kepada charting dan jika anda seorang yang nak berjinak jinak dengan teknikal analisis, sangatlah digalakkan. Bayangkan interface yang menarik dan tools yang lengkap mampu membuatkan anda fokus dan clear pada analisa berbanding platform lain.

Setiap orang berbeza risk profile masing masing. Ada yang lebih agresif dalam pasaran iaitu risk taker, ada yang risk averse. Sebelum melabur pastikan anda tahu dahulu kemampuan diri anda. Jangan melabur duit yang anda tak mampu tanggung kerugiannya, nanti percayalah anda tak boleh nak tidur lena di malam hari. Sayangi duit anda dan pergilah cari guru untuk belajar terlebih dahulu, kalau tidak anda cuma buang masa dan duit.

Baca : Risk profile anda dan perkara sebelum melabur. Sebelum kami menulis dengan lebih lanjut,pengakuan di sini kami tidak mendapat apa apa monetary incentive dengan mencadangkan nama guru di bawah. Bagi kami 3 guru ini sangat lah worth value for money untuk belajar. Berpengalaman puluhan tahun dalam trading dan syllabus kelas beliau sangat mantap. Nama kelas beliau TSTA menekan dari sudut teknikal part yang digunakan beliau sendiri dari dulu sampai sekarang. Harga kelas beliau masih dikatakan murah dan berbaloi untuk turut serta.

Yang paling mahal mengenai Tuan Ridzuan Ibrahim adalah support group yang diberikan selepas kelas atau menjadi client beliau iaitu yang belajar saham terus dengan beliau. Seorang pelabur yang kini merupakan pelajar tahun akhir Master In Forensic Accounting. Beliau menggunakan kaedah Value Investing dalam membina portfolio di mana kaedah pelaburan nilai ini sama dengan Warren Buffet, Philip Fischer dan pelabur terkemuka yang lain. Kelas beliau juga tidak mahal nak dibandingkan nilai yang bakal pelajar dapat nanti.

Kelas Tuan Zayed disyorkan untuk mereka yang ingin membina portfolio pelaburan bukan yang baru sahaja nak belajar saham. Harganya juga tidak lah mahal iaitu bawah RM untuk beberapa hari dan beberapa orang speaker. Kalau nak murah lagi, mungkin anda boleh cuba cari di Facebook. Asalkan ada kredibiliti dan bertauliah, tiada masalah untuk anda pergi belajar saham dengan mereka. Janganlah ingat kita sudah mahir sesuatu, kita boleh mendabik dada dan sombong.

Asbab ilmu mengenai pasaran kewangan ini luas, rendahkanlah diri menuntut ilmu dari sesiapa pun.