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@  Iswara96 : (17 April 2014 - 03:51 AM) hadiah paling best rasanya peraduan ubat gigi mu'min iaitu rumah n ada hadiah pakej umrah.
@  Iswara96 : (17 April 2014 - 03:43 AM) hahaha. hadiah mmg x best tp kalau dapat gerenti lompat2.
@  Contest : (16 April 2014 - 10:04 AM) dutch lady dah hantar, tea pot hadiah x best.. ribena belum jumpa borang..hehe
@  Iswara96 : (16 April 2014 - 03:24 AM) haha. sekarang ni join 3 contests yg wat saya pening kepala. Dutch Lady, Tea Pot & Ribena.
@  Contest : (15 April 2014 - 03:50 PM) bosan yg amat.. xde ke peraduan yg best2 yg tawarkan wang tunai.. ingat nk join peraduan yeos tu..tapi x de hanset canggih.
@  AzizMostafa : (15 April 2014 - 11:16 AM) Why not semara Jawi melalui Khat @ games?! http://www.emenang.c...win-kaligrafer/
@  AzizMostafa : (15 April 2014 - 11:15 AM) Why Perumian Jawi?! http://klasikamedia....l-perumian-jawi
@  Iswara96 : (15 April 2014 - 03:56 AM) tahniah pd yg berjaya. pd yg x berjaya spt saya cuba lagi.
@  minibot : (14 April 2014 - 04:13 PM) pemenang permanis - contest saya ingin menang (giant). http://www.permanis....ngin_Menang.jpg
@  minibot : (14 April 2014 - 04:10 PM) pemenang contest f&n 130 tahun http://fndairies.com...3/130winner.pdf
@  Iswara96 : (14 April 2014 - 03:26 AM) Berita baik. Liv 3 - 2 Man City. Jika Liverpool menang sume baki perlawanan, Juara EPL milik Liverpool. YNWA.
@  shahida : (10 April 2014 - 05:28 PM) F&N pun ada contes ke?
@  shahida : (10 April 2014 - 05:28 PM) @tq zuss
@  Contest : (10 April 2014 - 05:13 PM) hadiah sikit je, ada 7 pemenang.
@  Contest : (10 April 2014 - 05:11 PM) power root next jutawan http://www.nextjutawan.com/
@  NOORAMY : (10 April 2014 - 03:57 PM) Yg bestnya..fahrin ckp blh wasap...pop resit...selamat setem...
@  NOORAMY : (10 April 2014 - 03:56 PM) Contest Power root jutawan kembali...1 Mei-31 dec
@  NOORAMY : (10 April 2014 - 03:56 PM) Kawan2...ada sapa2 tgk berita x smlm kt tv3
@  eyriquezahrul : (10 April 2014 - 01:48 PM) Salam/Hi, ada dgr psl contest F&N x? Any link?
@  Contest : (10 April 2014 - 09:26 AM) https://www.facebook...ferrerOverride=
@  Contest : (10 April 2014 - 09:25 AM) https://www.facebook...elevant_count=1
@  Contest : (10 April 2014 - 09:23 AM) http://youagainstdeb...ata/Index.aspx#
@  Contest : (10 April 2014 - 09:23 AM) youagainstdebt.com/Debtpinata/Index.aspx#
@  zuss : (09 April 2014 - 08:09 PM) found the forms at aeon big
@  shahida : (09 April 2014 - 04:29 PM) @zuss air wick tu kat guardian ke?
@  zuss : (09 April 2014 - 01:19 PM) other contests: air wick...LUX @ guardian.....p&g...
@  zuss : (09 April 2014 - 01:17 PM) http://shinewithconfidence.com/
@  zuss : (09 April 2014 - 12:17 PM) https://www.facebook...267997&app_data
@  shahida : (09 April 2014 - 07:47 AM) selamat pagi semua... banyak sgt contes... budget tak byk... hehe
@  Iswara96 : (09 April 2014 - 03:35 AM) peraduan yg perlukan slogan paling mencabar. dah 4 hari ni dia punya slogan x siap2 lg.
@  Contest : (09 April 2014 - 01:39 AM) atau dalam senarai lingkungan no yang ditetap tu akan dipilih slogan paling menarik.
@  Contest : (09 April 2014 - 01:37 AM) *tersenarai
@  Contest : (09 April 2014 - 01:36 AM) syarat peraduan ubat gigi tu macam susah je nak menang.. kena ternarai pada  no yang dikehnedaki dan kena slogan menarik..
@  Boon : (08 April 2014 - 10:30 PM) http://site.al-meswa...p?pageid=143491
@  NOORAMY : (08 April 2014 - 01:42 PM) hahahha
@  NOORAMY : (08 April 2014 - 01:42 PM) Lahai...byk contest ....duit je x brp nk byk dh ni ha....
@  Contest : (07 April 2014 - 11:01 PM) The much awaited People's Choice Award is here! Vote for your favorite brands and stand a chance to win up to RM30,000* worth of prizes.

Plus, introducing you new Teens Choice Award designed exclusively for teens, aged 13 - 19. Vote and win exciting gadgets worth up to RM10,000.
@  Contest : (07 April 2014 - 11:00 PM) hadiah peraduan guardian pun lumayan jugak tu.. ada 2 kategori. hadiah bernilai rm30,000 dan rm 10,000.
@  Contest : (07 April 2014 - 10:56 PM) @nooramy ya keropok roller coaster tu, harap-harap ada hadiah wang tunai.. kalau ada nak join..hehe
@  NOORAMY : (07 April 2014 - 08:30 PM) Roller coaster Jajan tu kan...
@  minibot : (07 April 2014 - 05:39 PM) di guardian juga ada contest baru anjuran unilever rasanya.
@  minibot : (07 April 2014 - 05:37 PM) Assalammualaikum..roller coaster ada contest baru. blum start lagi tapi dah ada promo pada pek roller coaster. selamat mencuba
@  NOORAMY : (07 April 2014 - 03:56 PM) Winner  dh Ada tu...otai Kita chk pulun rm5k
@  NOORAMY : (07 April 2014 - 03:50 PM) Sapa yg join frozz?
@  NOORAMY : (07 April 2014 - 01:05 PM) rexona pun Ada...
@  NOORAMY : (07 April 2014 - 01:05 PM) Any latest contest?
@  Iswara96 : (05 April 2014 - 04:32 AM) kat borang peraduan tu ada tulis laman webnya. http://www.ribena-serlahkan.com.my.
@  Iswara96 : (05 April 2014 - 04:29 AM) Baucer Habib Jewels RM500. Hadiah Mingguan utk 5 pemenang selama 8 minggu.
@  eyriquezahrul : (04 April 2014 - 12:20 PM) ouh, I need time understanding this forum. huhu.
@  shahida : (04 April 2014 - 07:46 AM) nak downdload kat mana borang ribena tu.
@  shahida : (04 April 2014 - 07:45 AM) @iswara96 baucer habib x bape?
@  Contest : (04 April 2014 - 06:12 AM) *Daia
@  Contest : (04 April 2014 - 06:12 AM) yang ribena tu kalau x dapat duit malaslah nak join.. peraduan dai yg ni http://www.emenang.c...-keluarga-daia/
@  Iswara96 : (04 April 2014 - 03:45 AM) Daia ada peraduan gak ke. biasanya borang daia ada kt akhbar utusan malaysia. dah lama x bc akhbar.
@  Iswara96 : (04 April 2014 - 03:42 AM) hadiah ribena tu baucer perabut courts mammoth je. GP 50k.lps tu 8k n 3k.hadiah saguhati baucer brg kemas habib jewel rm500.
@  Iswara96 : (04 April 2014 - 03:37 AM) mungkin borang tu boleh download
@  Iswara96 : (04 April 2014 - 03:36 AM) peraduan tu br mula. ada masa lg tp hari2 kena masuk pasaraya.
@  Contest : (03 April 2014 - 05:18 PM) peraduan ribena tu hadiah hadiah wang tunai?? kalau ada nak join lah..haha
@  shahida : (03 April 2014 - 03:48 PM) @NOORAMY tadi gi cari borang indocafe n daia tak ada.... huhuhu
@  shahida : (03 April 2014 - 03:47 PM) @AzizMostafa Salam...:)
@  shahida : (03 April 2014 - 03:46 PM) iswara nak borang ribena tu boleh :)
@  NOORAMY : (03 April 2014 - 03:19 PM) Iswara...Jom tukar borang...
@  AzizMostafa : (03 April 2014 - 12:23 PM) Tulisan Jawi Masih Relevan? http://penjawis.com/web/v1/index.php
@  Iswara96 : (03 April 2014 - 04:14 AM) Mau cr borang indocafe tp lum sampai lg. Dpt pulak borang ribena "Peraduan Serlahkan Impianmu Bersama Ribena". GPnya perabut RM50K.
@  NOORAMY : (02 April 2014 - 11:01 PM) Kawan2...Ada sapa2 yg menang contest we love u 7e x?hari ni dah Ada yg dpt call...
@  AzizMostafa : (02 April 2014 - 01:25 PM) Salam Sh@hid@
@  AzizMostafa : (02 April 2014 - 01:14 PM) Salam, Boleh Tulis Khat cara Digital? Aku berikan hadiah jika berjaya tukar-2 bunga:
http://www.emenang.c...win-kaligrafer/
@  shahida : (02 April 2014 - 10:35 AM) Salam @nooramy :)
@  Iswara96 : (02 April 2014 - 04:39 AM) Haha. Hari ni aku serang pasaraya. Kalau lambat mesti borang dh abis.
@  NOORAMY : (01 April 2014 - 03:17 PM) Contest indocafe latest  start 1 April end 31 May...sy dah Ada borang...
@  AzizMostafa : (01 April 2014 - 01:26 PM) Tulisan Inggeris Fool. Tulisan jawi dah Lapuk?!
@  Iswara96 : (01 April 2014 - 03:47 AM) April Fool dah lapuk
@  AzizMostafa : (30 March 2014 - 02:37 PM) سلام سموا http://www.deepsouth...s/sinaran_8.pdf
@  Iswara96 : (30 March 2014 - 04:10 AM) salam
@  NOORAMY : (29 March 2014 - 11:02 PM) Salam semua...
@  AzizMostafa : (28 March 2014 - 02:22 PM) http://www.pnm.gov.m..._manuscript.pdf
http://www.pnm.gov.m..._manuscript.pdf
@  Kavin : (27 March 2014 - 08:12 PM) MIU Friends Forever
Give a cool name to your group, upload pictures and tag friends. Share your entry, get more likes and win iPod Nano and gift vouchers
http://on.fb.me/1igA5Na
@  AzizMostafa : (26 March 2014 - 08:05 PM) Negaraku! Memperkasakan Bahasa Melayu, Memperkukuh Bahasa Inggeris & Membudayakan Bahasa Arab http://smkasegamat.e...e_switch=mobile
@  bountyquest : (24 March 2014 - 12:44 PM) Proton Holdings contest to WIN a new car http://t.co/NcVK4F8Cr4
@  Iswara96 : (24 March 2014 - 03:56 AM) banyaknya. t/kasih
@  Contest : (23 March 2014 - 09:56 PM) https://www.facebook...8868891/?type=1
@  Contest : (23 March 2014 - 09:53 PM) https://www.facebook...244041225639079
@  Contest : (23 March 2014 - 08:54 PM) https://www.facebook...4274763/?type=1
@  Contest : (23 March 2014 - 08:52 PM) https://www.facebook...1650924/?type=1
@  Contest : (23 March 2014 - 08:50 PM) https://www.facebook...95345117&type=1
@  Contest : (23 March 2014 - 08:49 PM) https://www.facebook...34000958&type=1
@  Contest : (23 March 2014 - 08:49 PM) https://www.facebook...77041139&type=1
@  Contest : (23 March 2014 - 08:45 PM) https://www.facebook...153946376315232
@  Iswara96 : (22 March 2014 - 03:44 AM) PrayForMH370. Semoga sumenya selamat. In shaa Allah.
@  matpc : (19 March 2014 - 01:56 PM) Proton - Win A Car And Cash Everyday  http://www.sharethis2win.com/6711
@  Contest : (19 March 2014 - 11:35 AM) http://www.sharethis2win.com/#
@  Iswara96 : (19 March 2014 - 03:50 AM) ada contest baru dari proton.
@  Contest : (17 March 2014 - 11:08 AM) http://www.toyota.co...ntest-2014.html
@  Contest : (17 March 2014 - 10:58 AM) https://www.youtube....m&v=yGsBfBcNdbQ
@  Contest : (16 March 2014 - 04:27 AM) ingat nk join gak yang dutch lady tu, duk cari borang peraduan x jumpa2 kat pasarraya/kedai.. maybe tak sampai lg.
@  Iswara96 : (16 March 2014 - 03:49 AM) ngah cari dan kumpul dutch lady. utk tea pot dh mula hantar.
@  Contest : (15 March 2014 - 11:17 PM) x da ke orang nak kongsi contest2 yg best skrng ni..
@  Iswara96 : (15 March 2014 - 03:40 AM) tak banyak join peraduan sekarang ni. mungkin dia owg tunggu time Piala Dunia. mana tau ada rezeki thn ni dpt gi Brazil. huhu
@  Contest : (14 March 2014 - 09:52 AM) yng join lot100 contest bulan lepas dh dapat sms ke blum, saya duk tunnggu2 x dpt pun lg  ni..hehe
@  Contest : (12 March 2014 - 12:54 PM) harap-harap menang peraduan nescafe tahun baru..haritu punya la semangat hantar sampai 10..haha

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5 replies to this topic

#1 longlivemusic

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Posted 12 August 2008 - 05:33 PM

http://www.bharian.c...224058/Article/

[attachment=0]bh_logo.jpg[/attachment]

Hadiah Sijil Simpanan Premium BSN tidak sesuai

TAWARAN Bank Simpanan Nasional (BSN) melalui Sijil Simpanan Premium (SSP) amat menarik pelanggan sehingga mendapat sambutan penyimpan dan pelabur untuk melabur wang mereka semata-mata mencuba nasib memenangi hadiah cabutan.

Selain hadiah cabutan, tarikan juga kerana mendapatkan dividen setiap tahun untuk penyimpan yang menyimpan RM2,000 ke atas.

Kira-kira 1.4 juta pelanggan BSN melabur dan menyimpan dengan nilai simpanan melebihi RM6 bilion pada masa ini. Apa yang mendukacitakan ialah hadiah ditawarkan amat sedikit jika dibandingkan nilai simpanan semasa penyimpan dan pelabur yang berbilion ringgit.

Di sini saya mencadangkan kepada Ahli Lembaga Pengarah BSN supaya membuat kajian bagi hadiah yang ditawarkan iaitu hadiah berupa kereta mewah seperti kereta Mercedes Benz atau BMW kurang bersesuaian untuk pemenang yang bertuah memilikinya atas sebab tertentu, seperti kesulitan dalam kos penyelenggaraan dan penggunaannya yang serba mewah.

Difahamkan kebanyakan pemenang tidak mengambil hadiah itu sebaliknya ditukar dengan wang tunai dan dipotong 20 peratus nilai hadiah yang sebenar, sekali gus merugikan pemenang.

Adalah wajar sekiranya hadiah berkenaan ditukar kepada wang tunai RM500,000 atau seumpamanya untuk mendapatkan rumah berhampiran tempat pelanggan dan selanjutnya pihak BSN membayar wang itu kepada pemaju projek perumahan berkenaan.

Hadiah lain seperti tempat kedua, ketiga, keempat haruslah ditambah dengan 15 atau lebih pemenang dengan pelbagai jenis kenderaan seperti Proton atau Perodua dan kereta buatan ataupun yang dipasang di Malaysia.

Saya juga mencadangkan pertubuhan bukan kerajaan seperti Persekutuan Persatuan Pengguna Malaysia (Fomca) dan Persatuan Pengguna Pulau Pinang (CAP) dilantik menjadi penasihat untuk memantau dan menyumbang idea mereka dalam meningkatkan lagi pelabur dan pelanggan dalam BSN-SSP.

ALI AHMAD,
Sandakan, Sabah.

#2 paradigma

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Posted 12 August 2008 - 09:24 PM

I invested almost RM12000 and not even RM100 BSN premium voucher to show... let me to presume BSN gave away those prizes to their undeserving croonies and proxies!!!!
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#3 aiden

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Posted 13 August 2008 - 12:23 PM

this is just one of the many legalised 4d for the many muslims to play though some may argue that they dont lsoe anything therefore it is not gambling...but i beg to differ. If the money has been kept with another bank u stand to gain interest. Here mainly u are "banking" on winning the big one.
Winnings worth RMxxxxxx thus far and counting...................

#4 9919

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Posted 13 August 2008 - 01:54 PM

had won almost rm 1k (100 each) wit rm 20k saving for 4 years. latest jan & feb 08, rm100 each.

wait n wait for the grand prize...1 day should be win..+ve :megashock:

juz sharing..

#5 paradigma

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Posted 13 August 2008 - 03:25 PM

Wow 9919, kudos on your winnings...
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#6 sha

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Posted 13 August 2008 - 04:43 PM

pada pendapat saya..

Hadiah Sijil Simpanan Premium BSN tidak sesuai diberikan pada org lain.. tetapi amat sesuai diberikan kepada saya...
Cheers!
Sha a.k.a Chopperman
"Help Chopperman Saves The Comping World!"

~My Favorite Words of Wisdom~
The first rule to be respected is to respect other people first.
- Life isn't about how to survive the storm, but how to dance in the rain. - There are 2 things in life that you will never get. Nothing & Everything. So quit complaining and don't be so greedy. - The happiest people don't necessarily have the best of everything; they just make the best of everything they have. - Dreams will come true for you as long as you persevere. While it would be nice if fate did all the work, the reality is that any worthy goals take time and effort before the rewards reveal themselves.




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