KADAR KOMPAUN BARU SAMAN TRAFIK - malaysia

KADAR KOMPAUN BARU
SAMAN TRAFIK
Makluman:Kadar kompaun baru saman trafik adalah untuk semua saman

BIL	JENIS		KADAR KOMPAUN LAMA	KADAR KOMPAUN BARU
	KESALAHAN	KENDERAAN
1.	KEMALANGAN (TIDAK MELIBATKAN KES NC)	LORI / BAS / 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 300 RM 300 RM 300	RM 200 RM 150 RM 100
2.	PANDU LAJU	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 150 RM 150 RM 150	RM 90 RM 70 RM 50
3.	TIDAK PAKAI TALIPINGGAN KELEDAR	TEKSI VAN 4WD / KERETA	RM 150 RM 80 RM 70	RM 50 RM 50 RM 50
4.	KESALAHAN YANG TIDAK BOLEH DI KOMPAUN	SEMUA KESALAHAN TIDAK BOLEH DIKOMPAUN MENGIKUT KAEDAH-KAEDAH PENGANGKUTAN JALAN (PENGOMPAUN KESALAHAN) 2003 CTH: KEMALANGAN MAUT, MEMANDU DALAM KEADAAN MABUK, PEMANDU DI BAWAH UMUR TANPA LESEN, MEMANDU DENGAN CUAI DAN MERBAHAYA, TIADA PERLINDUNGAN INSURAN, LUMBA HARAM.	NO COMPOUND (NC)	NO COMPOUND (NC)
5.	TIDAK PAKAI TOPI KELEDAR	MOTOSIKAL	RM 70	RM 30
6.	TIDAK BOLEH BUAT PUSINGAN 'U'	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 100 RM 70	RM 90 RM 70 RM 50
7.	POTONG CARA BAHAYA - POTONG 'Q'	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 100 RM 70	RM 90 RM 70 RM 50
8.	MENERUSKAN PERJALANAN SEMASA ISYARAT LAMPU MERAH	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 200 RM 150	RM 200 RM 150 RM 100
9.	MEMANDU GUNA TELEFON BIMBIT/ALAT KOMUNIKASI	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 100 RM 70	RM 90 RM 70 RM 50
10.	TIDAK BERI LALUAN SEBELUM MEMBELOK	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 100 RM 70	RM 90 RM 70 RM 50
11.	KESALAHAN LESEN MEMANDU	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 150 RM 80 RM 70	RM 90 RM 70 RM 30
12.	KESALAHAN LESEN KENDERAAN MOTOR (ROAD TAX)	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 150 RM 80 RM 70	RM 90 RM 70 RM 30
13.	MEMANDU DI LORONG KECEMASAN	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 200 RM 100 RM 70	RM 90 RM 70 RM 50
14.	KES WARAN	LORI/ BAS/ 4WD / TEKSI / VAN / KERETA MOTOSIKAL	RM 300 RM 300 RM 300	SEKALI GANDA DARI HARGA TAWARAN TETAPI TIDAK MELEBIHI RM 300

KAUNTER-KAUNTER DI JABATAN PENGANGKUTAN JALAN (JPJ) 1. JPJ JOHOR BAHRU 2. JPJ KUANTAN 3. JPJ KUALA TERENGGANU 4. JPJ IPOH, PERAK 5.. JPJ TAIPING, PERAK 6. JPJ WANGSA MAJU, KUALA LUMPUR MASA OPERASI : HARI BEKERJA - 0830HRS HINGGA 1600 HRS HARI CUTI - TIADA

PUSAT PEMBAYARAN DI KAUNTER-KAUNTER LUAR 1. PPK GIANT, JOHOR BAHRU, JOHOR 2. PPK TER-ONE SEREMBAN NEGERI SEMBILAN 3. PPK MEGAMALL , SEBERANG PERAI (T) PULAU PINANG 4. PPK PRANGIN MALL, TIMUR LAUT PULAU PINANG 5. PPK JAYA JUSCO, PETALING JAYA SELANGOR 6. PPK THE MINES, PETALING JAYA, SELANGOR 7. I.O.I SUBANG JAYA, PUCHONG, SELANGOR 8. PPK JAYA, IPOH PERAK. MASA OPERASI : HARI BERKERJA - 1600 HRS HINGGA 2100 HARI CUTI - 1400 HRS HINGGA 2100 HRS

FW: Credit Card " RM250 Limited Liability "

The limit of your liability for a lost or stolen credit card is RM250.00

under Rule 13.2 of the Bank Negara rules on credit card if it has been

fraudulently used. Please note this limit and ensure that your bank does

not overcharge you should your card have been used illegally.

CARDHOLDERS need not pay more than RM250 whenever their lost or stolen

credit cards are used by others. Yet, oftentimes, they end up paying much

more.

This is because Bank Negara has not informed cardholders that they do not

have to pay more than RM250 for fraudulent transactions carried out using

their lost or stolen cards, when they had not acted fraudulently and had

informed the banks about the lost or stolen cards as soon as possible.

This protection is given under Clause 13.2 of Bank Negara's Credit Card

Guideline ("The cardholder's maximum liability for unauthorised

transactions as a consequence of a lost or stolen credit card shall be

confined to a limit specified by the issuer of credit cards, which shall

not exceed RM250 provided the cardholder has not acted fraudulently or has

not failed to inform the issuer of credit cards as soon as reasonably

practicable after having found that his credit card is lost or stolen").

Banks know about Clause 13.2 but have chosen to ignore it. Instead they

pursue cardholders for the fraudulent transactions.

They will tell cardholders that a clause in the credit card contracts

states that all transactions carried out before the loss of the cards are

reported to the banks, are deemed to be carried out by the cardholders.

Many cardholders then pay up because they are unaware of the RM250 limited

liability.

Bank Negara should rule that:

*THE RM250 maximum liability on fraudulent transactions is highlighted to

cardholders in the card agreements as well as in the monthly card

statements.

*BANKS are not allowed to insert any clause in the card agreement which is

contrary to Clause 13.2.

*BANKS should refund all money in excess of the RM250 collected from

cardholders whose cases clearly come under Clause 13.2.

A touching story

While I was walking around in a Target store, when I saw a Cashier hand this little boy some money back.
The boy couldn't have been more than 5 or 6 years old.

The Cashier said, 'I'm sorry, but you don't have enough money to buy this doll.'

Then the little boy turned to the old woman next to him: ''Granny,

are you sure I don't have enough money?''

The old lady replied: ''You know that you don't have enough money to buy this doll, my dear.''

Then she asked him to stay there for just 5 minutes while she went to look a round. She left quickly.

The little boy was still holding the doll in his hand.

Finally, I walked toward him and I asked him who he wished to give this doll to.

'It's the doll that my sister loved most and wanted so much for Christmas.

She was sure that Santa Claus would bring it to her.'

I replied to him that maybe Santa Claus would bring it to her after all, and not to worry.


But he replied to me sadly. 'No, Santa Claus can't bring it to her where she is now. I have to give the doll to my mommy so that she can give it to my sister when she goes there.'


His eyes were so sad while saying this. 'My Sister has gone to be with God. Daddy says that Mommy is going to see God very soon too, so I thought that she could take the doll with her to give it to my sister.''


My heart nearly stopped.


The little boy looked up at me and said: 'I told daddy to tell mommy not to go yet. I need her to wait until I come back from the mall.'


Then he showed me a very nice photo of him where he was laughing. He then told me 'I want mommy to take my picture with her so she won't forget me.'


'I love my mommy and I wish she doesn't have to leave me, but daddy says that she has to go to be with my little sister.'


Then he looked again at the doll with sad eyes, very quietly.

I quickly reached for my wallet and said to the boy. 'Suppose we check

again, just in case you do have enough money for the doll?''


'OK' he said, 'I hope I do have enough.' I added some of my money to his with out him seeing and we started to count it. There was enough for the doll and even some spare money.


The little boy said: 'Thank you God for giving me enough money!'

Then he looked at me and added, 'I asked last night before I went to sleep for God to make sure I had enough money to buy this doll, so that mommy could give It to my sister. He heard me!''


'I also wanted to have enough money to buy a white rose for my mommy, but I didn't dare to ask God for too much. But He gave me enough to buy the doll and a white rose.''

'My mommy loves white roses.'


A few minutes later, the old lady returned and I left with my basket.


I finished my shopping in a totally different state from when I started.


I couldn't get the little boy out of my mind.


Then I remembered a local news paper article two days ago, which mentioned a drunk man in a truck, who hit a car occupied by a young

woman and a little girl.


The little girl died right away, and the mother was left in a critical

state. The family had to decide whether to pull the plug on the

life-sustaining machine, because the young woman would not be able to recover from the coma.

Was this the family of the little boy?


Two days after this encounter with the little boy, I read in the news paper that the young woman had passed away.


I couldn't stop myself as I bought a bunch of white roses and I went to the funeral home where the body of the young woman was exposed for people to see and make last wishes before her burial.


She was there, in her coffin, holding a beautiful white rose in her hand with the photo of the little boy and the doll placed over her chest.


I left the place, teary-eyed, feeling that my life had been changed for ever.. The love that the little boy had for his mother and his sister is

still, to this day, hard to imagine.

And in a fraction of a second, a drunk driver had taken all this away from him.

The value of a man or woman resides in what he or she gives, not in what they are capable of receiving...repost it as a story that touches your heart.

再富，也要窮孩子

再富，也要窮孩子

前些天，帶兒子去逛書局，他吵嚷著要我買一個精致、昂貴但不實用的鉛筆盒給他，最後我只買了一個麻雀雖小，五臟俱全的給他，他的嘴頓時呶了起來。接著，他看中一個設計小巧玲瓏，曲線優美，尺面圖案喧賓奪主地蓋過刻度的精美塑膠尺，但我買給他的卻是一把木尺。他的嘴嘟得更有"克夫"（curve）了。我不作聲，打算晚上臨睡前才透過故事開導他。

自升為人父之後，我一再提醒自己要貫徹一個與東方社會價值觀反其道而行的育兒理念─「再富，也要窮孩子！」但幾年下來，我漸感難於堅持下去，直到有一天我輾轉讀到南京大學一佈告欄上，一封署名為"辛酸的父親"寫給其上大學兒子的"匿名信"之後，才又深感無論如何都得貫徹這個理念。

這封信很有轉述的價值，摘錄如下：

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親愛的兒子：

儘管你傷透了我的心，但是你終究是我的兒子。雖然，自從你考上大學，成為我們家幾代唯一一個大學生後，分不清咱倆誰是誰的兒子。

扛著行李陪你去大學報到，掛蚊帳、鋪被子、買飯菜票，甚至教你擠牙膏，這一切，在你看來是天經地義的，你甚至感覺你這個不爭氣的老爸給你這位爭氣的大學生兒子服務，是一件特沾光特榮耀的事。

在你讀大學的第一學期，我們收到過你的三封信，加起來比一封電報長不了多少，言簡意賅，主題鮮明，字跡通篇潦草，只一個"錢"字特別工整、而且清晰。

大二以後，從你一封接一封的催款信上我們能感受到，言辭之急迫、語調之懇切，讓人感覺你今後大學畢業時可以去當個優秀的討債人……。

最令我痛心的是，今年暑假，你居然偷改入學收費通知，虛報學費…，沒想到你竟也運用這招，來對付生你、養你、愛你、疼你的父親母親，僅僅為了能出入卡拉OK及酒吧…。

我一想起這事就痛苦，就失眠！這已成為一種心病，病根就是你─我親手撫養大卻又倍感陌生的大學生兒子。不知在大學你除了增加文化知識和社會閱歷之外，還能否長一丁點善良的心？

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閱畢整封信，我想起妻懷孕時一位辛酸的父親，第一次上超音波做掃描時，我最關心的不是胎兒的性別，而是他到底是孤身上路抑或結伴而來─雙胞胎甚或四胞胎？

我執教的學校，有二男二女各取名為"歡、樂、新、年"的四胞胎兄妹。我常看到他們的爸爸拎著四份一模一樣的便當盒，在籬笆外分四次塞給四名可愛的孩子；而每次看到他們蹦蹦跳跳地回課室享用，便知道他們對便當的"內涵"相當滿意。我身為窮教員，如果孩子是結伴而來，我所能給他們準備的便當的內容，恐怕會顧得了量而顧不了質。

我之所有這種顧慮，主要受華人「再苦，不能苦了孩子！」的傳統觀念所影響。直到有一天，我那移居澳洲多年的老同學回國探親，及時給我來個當頭棒喝。

據他說，澳洲人民生活富裕，然而他們在信奉上帝之餘更信奉：「再富，也要"窮"孩子！」的教育理念。他們認為，在過份呵護下長大的孩子，將無法自立並且不懂感恩！

他回國的第二天，我陪他冒著風雨出外辦點事，他指著一個被包裹得像棉花團的華人小孩說：「孩子應當比大人少穿一件衣服！」他說在澳洲，即使冬天時也很難見到「棉花團」；如果是艷陽高照，母親們也會別有用心地、故意不撐開嬰兒車的遮陽棚。

我們東方家庭「再苦，也不能苦孩子！」的做法，看來有糾正的必要了。那天晚上，我思前想後，決定等將來孩子入學了，為他準備一些"其貌不揚"的便當，以窮他物質，富他精神。

我手頭上有這麼一則資料：美國費城納爾遜中學門口有兩尊雕塑，左邊是一隻蒼鷹，右邊是一匹奔馬。雕塑所要表達的不是我們耳熟能詳的鵬程萬里馬到成功，而是象徵一隻餓死的鷹和一匹被剝了皮的馬。

原來，那只蒼鷹，為了加速實現飛遍五大洲七大洋的偉大理想，練就了各種高超優雅的飛行本領，結果忘了學習覓食，只飛了四天就活活餓死了。那匹奔馬嫌第一位主人─磨坊老闆給的活多，就乞求上帝把它換到農夫家；而後又嫌農夫餵的飼料少，又要求與其他馬對調，最後到了皮匠家─不必幹活，飼料又多，好不愜意。然而沒過多少天，它的皮就被皮匠剝下來做了皮革！

由此可窺見，一個缺乏起碼的獨立生存能力及不懂感恩的人，無論他有多大的才華，日後有多了不起的成就，都不算是一個健全的人，都是一個生命有缺憾的人。

動 物界有一套超越萬物之靈的育兒理念，許多動物在它們的幼兒很羸弱時，會把它的幼崽含在嘴或在翼下，怕它們遇險而夭折；但當它們的孩子長大些，它們會毫不留 情地把孩子趕離自己身邊，讓它們獨自去經風雨、練本領，甚至不給孩子留下回頭路！只有這麼做，孩子才能經得起任何風浪之襲擊，才能夠絕處逢生。

含在嘴或在翼下和趕離身邊，都是父母對孩子不同的愛的體現，連動物也深懂「慣子如殺子」的道理。

再富也要窮孩子，才能逼孩子學習獨立前行，學會感恩惜福。畢竟…孩子的後半生我們不一定能參與……。_____