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THE Malaysian Communication and Multimedia Commission (MCMC) should really look at the Postal Act 2012 with the view of enforcing the regulations to protect consumers who depend on the services of postal and courier companies including Pos Malaysia.What consumers want from the postal services is for their items to reach the designated recipients promptly and in good condition. However, the services rendered of late has been very unsatisfactory.

According to the National Consumers Complaint Centre (NCCC), 49.35% of the total complaints made against postal and courier services in 2018 were on delays in receiving the items sent. This issue must be contained as it involves a significant segment of consumers, some of whom were in despair when they approached the NCCC.With today’s information technology, parcels come with tracking numbers to help both parties know the status of delivery. But more often than not, many consumers end up not getting their deliveries even though they were waiting at home or the address specified after being advised by the senders.The irony is that with the tracking system, how could items go missing?The service provider seems to be not bothered when consumers complain, and when they ask for compensation, the amount paid is just a nominal sum.

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(Left:Mr Mandeep Singh, Legal Advisor NCCC, Middle: Dato Paul Selvaraj, CEO FOMCA, Right: Ms Shabana Naseer Ahmad, Senior Legal Advisor NCCC)

Towards Mandatory Product Disclosure Statement for Insurance

Insurance is a critical component in financial planning and management. For an example health insurance protects consumers against costly medical bills. Life insurance protects the family against the death of a key bread winner.Without life insurance, a family can be devastated in the case of the loss of life of a family member.

Unfortunately, many Malaysians are not insured or underinsured. Thirty years ago, one in 10 Malaysians had a life insurance policy; in 2018 the number had increased to only 3.5 for 10 Malaysians. Thus penetration is still very low. Further Life Insurance Association of Malaysia (LIAM) has reported that many of those insured are under-insured. Additionally, medical costs are extremely high.  Up to 40% of consumer pay their medical bills from their pocket (OOP). This is a very inefficient way of paying medical bills. Financial Literacy is essential to empower consumers to manage their finances, ensure having sufficient savings and managing their debts; further financial literacy is crucial to ensure consumers protect their families and their assets through insurance.

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THE Malaysian Communication and Multimedia Commission (MCMC) should really look at the Postal Act 2012 with the view of enforcing the regulations to protect consumers who depend on the services of postal and courier companies including Pos Malaysia.What consumers want from the postal services is for their items to reach the designated recipients promptly and in good condition. However, the services rendered of late has been very unsatisfactory.According to the National Consumers Complaint Centre (NCCC), 49.35% of the total complaints made against postal and courier services in 2018 were on delays in receiving the items sent. This issue must be contained as it involves a significant segment of consumers, some of whom were in despair when they approached the NCCC.With today’s information technology, parcels come with tracking numbers to help both parties know the status of delivery. But more often than not, many consumers end up not getting their deliveries even though they were waiting at home or the address specified after being advised by the senders.

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1. If he’s not in uniform, politely ask for identification.Every police officer has an authority card or also known as kad kuasa as proof that they’re legitimate. Remember, it’s quite common for a police officer who’s on duty on ground to be in plain clothes.If you need more clarification, ask them which balai polis they’re from.2. If the card is red, the officer does not have any authority over you.

A red police authority card means that this officer is suspended and they do not have any rights to hold you.
Blue card: the officer holds an inspector rank or above
Yellow: below the rank of an inspector
White: reserve police.
Here’s an example:

3. If the officer is uniformed, take note of his/her name and ID number.Every officer must have his name and ID number clearly shown.

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Pusat Khidmat Aduan Pengguna Nasional (NCCC) kebelakangan ini telah menerima banyak aduan mengenai  bayaran yang tidak dijelaskan, tertunggak dan juga bayaran yang tidak sepatutnya dikenakan. Oleh itu, adalah menjadi tanggungjawab kita sebagai pengguna untuk menyimpan bil bil lama untuk semakan semula sekiranya timbul keraguan.

Salah satu kes yang telah diterima oleh NCCC adalah caj insuran kebakaran yang telah dikenakan oleh sebuah bank terhadap pengguna tersebut. Beliau telah dikenakan bayaran yang berlebihan. Kebetulan pelanggan tersebut ada menyimpan segala bil dan dokumen perumahannya dalam satu fail. Pengguna yang mengemukakan aduan ini menunjukkan bil bil yang menunjukkan bukti insuran yang telah dibayar sejak mula beliau membuat perjanjian jual beli.

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Kos sara hidup di negara kita masih berada di tahap yang tinggi walaupun tahap inflasinya rendah iaitu 1% pada tahun 2018. Dengan kenaikan kos hidup, kita sebagai pengguna perlulah mencari jalan yang bijak untuk menyaingi masa yang getir ini. Walaupun cara untuk menjimatkan wang adalah penting, namun kita perlu mencari jalan supaya tidak membazir wang dengan kaedah yang berhemah. Di antaranya ialah,

  1. Jangan membeli sekadar untuk memuaskan nafsu membeli

Sering kali kita berkunjung ke pasar raya dan rasa teruja melihat barang barang yang dipamerkan. Ada kalanya kita tidak dapat menahan naluri dan terus membelinya yang menyebabkbkan pengguna membelanjakan wang berlebihan yang sepatutnya boleh dijadikan sebagai simpanan. Melainkan pengguna disahkan mengidap Oniomania (Compulsive Buying Disorder CBD) iaitu sejenis penyakit yang mempunyai ciri ciri untuk membeli belah, langkah yang paling baik adalah untuk melaburkan wang anda dalam sesuatu pelaburan yang sah yang memberikan pulangan yang baik.

  1. Jangan membeli semata mata kerana barangan di jual musim jualan murah

Kebanyakan pasar raya mengadakan jualan murah semasa musim perayaan seperti Hari Raya Aidil Fitri, Tahun Baru Cina, Deepavali, Christmas dan sebagainya. Di samping jualan ini, ada juga jualan akhir tahun. Kalau anda ingin membeli kerana bimbang akan kehabisan stok, jualan bermusim akan pasti tiba dan akan dapat membelinya sekiranya benar benar perlu.

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PETALING JAYA: A group of environmental activists have expressed disappointment over the announcement by the government that it planned to utilise five trillion cubic metres of groundwater.They said groundwater tapping should be seen as a last resort.Executive director of the Ecotourism and Conservation Malaysia (Ecomy) Andrew Sebastian said the Water, Land and Natural Resources Minister Dr Xavier Jayakumar should instead think of ways to protect natural water resources.“I am disappointed. Being a minister doesn’t mean you exploit natural resources.“You should find ways how to properly manage and protect our water resources which are very important for the country, not only for now but for the long term,” he told FMT when contacted.Xavier had said the ministry was looking into the use of groundwater resources to overcome shortages of water and to cut costs at water treatment plants.

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