ZENITH BANK PLC LONDON
78 Hills Drive Circle – Green Hemisphere GHJ875 – London
Tel: + 44 (0) 702 403 86 941, Fax: +44.702.455.45451

E-Mail: 2enith_bank_plc@myway.com

JOB REF: GTM/QW/ZENITH BANK 05134-08 UK DATE: 5th / 05/ 2008

ATTN. JESSIE A. TAN,

We are pleased to offer you a position with ZENITH BANK PLC LONDON. Your start date, compensation, benefits, and other terms of employment will be as set forth below and on EXHIBIT Q ZB.

1. Position and Duties. ZENITH BANK PLC LONDON shall employ you, and you agree to competently and professionally perform such duties as are customarily the responsibility of the position as set forth in the job description.

2. Outside Business Activities. During your employment with ZENITH BANK PLC LONDON, you shall devote competent energies, interests, and abilities to the performance of your duties under this Agreement. During the term of this Agreement, you shall not, without prior written consent, render any services to others for compensation or engage or participate, actively or passively, in any other business activities That would interfere with the performance of your duties hereunder or compete with business.

3. Employment Classification. You shall be a contract Employee and shall be entitled to benefits as specifically outlined herein.

4. Benefits. You will also receive standard employee benefits package (including health insurance for you and your family), and will be subject to vacation policy as such package and policy are in effect from time to time.

4.1 Death Benefit: Should Employee die during the term of employment, the shall pay to Employee’s estate any compensation due through the end of the month in which death occurred and will also ensure that he/she is given a befitting funeral according to the expatriate tradition in his home town.

4.2 Other Benefits

Quality single or family housing in company community.
Personal effects shipment and excess baggage allowances.
Access to some of the finest social and recreational facilities in United Kingdom.
Free medical care in United Kingdom for you and your family for contract duration.
Excellent educational assistance benefits with family status contracts.
Complete meals also for you and your family as deemed Appropriate.
Life insurance Policy.
Maximum and efficient security both in work place and housing Community.

4.3 Computer Resources: Laptop Computer, 1.6 GHz Processor, 496 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available.

4.4 Phones: the employer will provide each employee with one (1) Landline and one (1) Mobile Telephone. This shall have a reasonable credit limit application per month.

4.5 Local Transportation: Standby new company car will parked in your apartment for movement.

4.6 Office Space: Adequate private office space in a conducive and comfortable work environment shall be provided for each employee.

5. Authorization To Work: Due to the second ministerial meeting between European Union (EU) on terrorism, which was held in Brussels on 5th October 2001. Where regulations adopted on Immigration Reform and Control Act, you will need to present documentation demonstrating that you have authorization to work in United Kingdom. This documents which include work permit, Resident permit which you obtain from the British Immigration here in London through a traveling agent that work with them as stated in the terms of Zenith Bank Plc London.

6. Severability: If any of the provisions of this Agreement are determined to be invalid, illegal, or unenforceable, such provisions shall be modified to the minimum extent Computer Operator continue in full force and effect to the extent the economic benefits conferred upon the parties by this Agreement remain substantially unimpaired.

Credit Investigator

SALARY IN ZENITH BANK:

£ 15,100.00 (GBP) after tax deduction (or Euros equivalent

Depending on home country and currency preference).

LONDON – UNITED KINGDOM

25th JUNE 2008
TWO (2) YEARS

For the details of the Employee who have already joined the ZENITH BANK PLC LONDON. The working days are from Monday to Friday, and every Saturday is half working day weekly, on Sunday is a rest day for the ZENITH BANK PLC London.
You have 3 weeks leave every 6 months work with the ZENITH BANK PLC LONDON and you have bonus leave as 9,550 (GBP) each leave and you are free to travel to your country during the leave.
You are to drive 30 minutes drive from Residence place to the Work place every working day and you are entitling to traveling to any city in London.

WORKING DAYS IS FROM MONDAY TO FRIDAYS WEEKLY.

Any selected candidate for ZENITH BANK PLC LONDON , not presently possessing a valid Residence, Work Permits, Visa shall be expected to personally incur all expenses as shall be related to the processing, procurement and acquisition of their necessary permits clearance papers with the Traveling Counselors and shall be duly reimbursed and will be substantiated with receipts and ZENITH BANK PLC LONDON will reimburse the employee not later than Seven (7) working days after submission of employee’s expense report and receipts .

This is in line with the expatriate statuary law of the United Kingdom, England in compliance with the U.N. Terrorism Act. Find attached for other necessary related details of job.
However, for expatriate services employees who do not presently posses their valid Residence/Work Permits papers and Visa, they are to make contact with the address given below for directives and assistance on the acquisition and procurement of their United Kingdom valid residence and work permits papers ( London Visa ).

BRITISH IMMIGRATION LONDON
78 Manchester Drive – Yorkshire
Mr. Dennis James Kan
Tel: + + 44-07031953813
TeL; ++ 44-07031953813
Fax: + 44 (0) 789 655 5661
E-mail: britishimmigrations_london@yahoo.com
NOTE: All London based employees’ are to report personally to our office with identification materials for signing and collection of hard copy of their contract documents.
Congratulations on your success and we look forward to your arrival and we hope be the start of mutually satisfying work relationship.
SIGNED BY HR MANAGER

Dr. PETER JONES
HEAD HUMAN RESOURCESS DEPARTMENT
ZENITH BANK PLC LONDON
Tel; 44(0) 702 403 86 94
Email: 2enith_bank_plc@myway.com

ALL EMPLOYEE WILL SIGNED THE TERMS AND SEND TO THE BRITISH IMMIGRATION AGENCY LONDON FOR VISA WORK PERMIT PROCEDURES TO COMPLETE THE FORMALITIES SIGNED AND SEND TO THE ABOVE.

NAME…………………………………………………………………………………

SIGNED…………………………………………………………………………

HOME ADDRESS……………………………………………………………

TEL/PHONE/……………………………………………………………………

FAX NUMBER…………………………………………………………………..

ZENITH BANK PLC LONDON SHALL WELLSOME YOU AT THE AIR PORT ON YOUR ARRIVAL HERE IN LONDON TO START YOUR JOB AFTER YOU HAVE COMPLETE AND SIGNED YOUR CONTRACT TERMS AND SUBMIT YOUR INTERNATIONAL PASSPORT AND FILLED VISA WORK PERMIT FORM AND YOUR PHOTOS WITH YOUR EXPENSES RECEIPTS FOR CONFIRMATION OF BOOKING OF YOUR AIR FARES / ACCOMODATION.

Lie One: No one will be compelled to buy coverage.

During the campaign, Obama insisted that he would not resort to an individual mandate to achieve universal coverage. In fact, he repeatedly ripped Hillary Clinton’s plan for proposing one. "To force people to buy coverage," he insisted, "you’ve got to have a very harsh penalty." What will this penalty be, he demanded? "Are you going to garnish their wages?" he asked Hillary in one debate.

Yet now, Obama is behaving as if he said never a hostile word about the mandate. Earlier this month, in a letter to Sens. Max Baucus, D-Mont., and Ted Kennedy, D-Mass., he blithely declared that he was all for "making every American responsible for having health insurance coverage, and making employers share in the cost."

But just like Hillary, he is refusing to say precisely what he will do to those who want to forgo insurance. There is a name for such a health care approach: It is called TonySopranoCare.

Dear Leader Obama believes he’s better than the Dear Leader of North Korea it seems. Will America soon regress in the image of NK? Past time to stop this IMO.

Lie Two: No new taxes on employer benefits.

Obama took his Republican rival, Sen. John McCain, to the mat for suggesting that it might be better to remove the existing health care tax break that individuals get on their employer-sponsored coverage, but return the vast bulk–if not all–of the resulting revenues in the form of health care tax credits. This would theoretically have made coverage both more affordable and portable for everyone. Obama, however, would have none of it, portraying this idea simply as the removal of a tax break. "For the first time in history, he wants to tax your health benefits," he thundered. "Apparently, Sen. McCain doesn’t think it’s enough that your health premiums have doubled. He thinks you should have to pay taxes on them too."

Yet now Obama is signaling his willingness to go along with a far worse scheme to tax employer-sponsored benefits to fund the .6 trillion or so it will cost to provide universal coverage. Contrary to Obama’s allegations, McCain’s plan did not ultimately entail a net tax increase because he intended to return to individuals whatever money was raised by scrapping the tax deduction. Not so with Obama. He apparently told Sen. Baucus that he would consider the senator’s plan for rolling back the tax exclusion that expensive, Cadillac-style employer-sponsored plans enjoy, in order to pay for universal coverage. But, unlike McCain, he has said nothing about putting offsetting deductions or credits in the hands of individuals.

In other words, Obama might well end up doing what McCain never set out to do: Impose a net tax increase on health benefits for the first time in history.

Lie Three: Government can control rising health care costs better than the private sector.

Ignoring the reality that Medicare–the government-funded program for the elderly–has put the country on the path to fiscal ruin, Obama wants to model a government insurance plan–the so-called "public option"–after Medicare in order to control the country’s rising health care costs. Why? Because, he repeatedly claims, Medicare has far lower administrative costs and overhead than private plans–to wit, 3% for Medicare compared to 10% to 20% for private plans. Hence, he says, subjecting private plans to competition against an entity delivering such superior efficiency will release health care dollars for universal coverage.

But lower administrative costs do not necessarily mean greater efficiency. Indeed, the Congressional Budget Office analysis last year chastised Medicare’s lax attitude on this front. "The traditional fee-for-service Medicare program does relatively little to manage benefits, which tends to reduce its administrative costs but may raise its overall spending relative to a more tightly managed approach," it noted on page 93.

In short, extending the Medicare model will further ruin–not improve–even the functioning aspects of private plans.

Lie Four: A public plan won’t be a Trojan horse for a single-payer monopoly.

Obama has repeatedly claimed that forcing private plans to compete with a public plan will simply "keep them honest" and give patients more options–not lead to a full-blown, Canadian-style, single-payer monopoly. As I argued in my previous column, this is wishful thinking given that government programs such as Medicare have a history of controlling costs by underpaying providers, who make up the losses by charging private plans more. Any public plan modeled after Medicare will greatly increase this forced subsidy, eventually driving private plans out of business, even if that weren’t Obama’s intention.

But, as it turns out, it very much is his intention. Before he decided to run for office–and even during the initial days of his campaign–Obama repeatedly said that he was in favor of a single-payer system. What’s mo

PETRONAS OIL & GAS COMPANY
1, PETRONAS Twin Towers – Kuala Lumpur City 50088 Kuala Lumpur, – Malaysia.
www.petronasoil-gas.net
Tel: + (60) 102566915, Fax: +44 702 674 4343,

JOB REF: PetronasOil/874/07 DATE: 26/07/09

ATT:MUHAMMAD HUSSAIN KHORASANY,
We are pleased to offer you a position with PETRONAS OIL & GAS COMPANY. Your start date, compensation, benefits, and other terms of employment will be as set forth below and on EXHIBIT A.

1. Position and Duties. PETRONAS OIL & GAS COMPANY shall employ you, and you agree to competently and professionally perform such duties as are customarily the responsibility of the position as set forth in the job description.

2. outside Business Activities. During your employment with PETRONAS OIL & GAS COMPANY, you shall devote competent energies, interests, and abilities to the performance of your duties under this Agreement. During the term of this Agreement, you shall not, without prior written consent, render any services to others for compensation or engage or participate, actively or passively, in any other business activities that would interfere with the performance of your duties hereunder or compete with business.

3. Employment Classification. You shall be a contract Employee and shall be entitled to benefits as specifically outlined herein.

4. Benefits. You will also receive standard employee benefits package (including health insurance for you and your family), and will be subject to vacation policy as such package and policy are in effect from time to time.

4.1 Death Benefit: Should Employee die during the term of employment, the shall pay to Employee’s estate any compensation due through the end of the month in which death occurred and will also ensure that he/she is given a befitting funeral according to the expatriate tradition in his home town.

4.2 Other Benefits
Quality single or family housing in company community.
Personal effects shipment and excess baggage allowances.
Access to some of the finest social and recreational facilities in United Kingdom.
Free medical care in United Kingdom for you and your family for contract duration.
Excellent educational assistance benefits with family status contracts.
Complete meals also for you and your family as deemed Appropriate.
Life insurance Policy.
Maximum and efficient security both in work place and housing Community.

4.3 Computer Resources: Laptop Computer, 1.6 GHz Processor, 496 MB RAM, 24XCD-RW, 30GB Hard Drive, Floppy Drive, Integrated Network Adapter, Internal 56K Modem, Spare Battery and Necessary Software. Full time Internet access is also made available.

4.4 Phones: the employer will provide each employee with one (1) Landline and one (1) Mobile Telephone. This shall have a reasonable credit limit application per month.

4.5 Local Transportation: Standby new company car will parked in your apartment for movement.

4.6 Office Space: Adequate private office space in a conducive and comfortable work environment shall be provided for each employee.

5. Authorization To Work: Due to the second ministerial meeting between European Union (EU) on terrorism, which was held in Brussels on 11th OCTOBER 2001. Where regulations adopted on Immigration Reform and Control Act, you will need to present documentation demonstrating that you have authorization to work in Malaysia. This documents which include work permit, Resident permit which you obtain from the Malaysia High Commission through a traveling agent that work with them as stated.

6. Severability: If any of the provisions of this Agreement are determined to be invalid, illegal, or unenforceable, such provisions shall be modified to the minimum extent necessary to make such provisions enforceable, and the remaining provisions shall continue in full force and effect to the extent the economic benefits conferred upon the parties by this Agreement remain substantially unimpaired.

HR Department Manager.

£ 9,100.00 (GBP) after tax deduction (or Euros equivalent depending on home country and currency preference).

Malaysia

1O AUGUST 2009

TWO (2) YEARS

Any selected candidate for PETRONAS & GAS COMPANY , not presently possessing a valid Residence, Work Permits, Visa shall be expected to personally incur all expenses as shall be related to the processing, procurement and acquisition of their necessary permits clearance papers with the Traveling Counselors and shall be duly reimbursed and will be substantiated with receipts and PETRONAS OIL & GAS COMPANY will reimburse the employee not later than Five (5) working days after submission of employee’s expense report and receipts.

This is in line with the exp

How much will Obama’s new health plan cost us?
**Mr. Obama’s proposed income-based health-insurance subsidies, tax credits for tiny businesses, and expanded Medicaid eligibility would cost another .63 trillion, according to the TPC. Thus his tax rebates and health insurance subsidies alone would lift the undisclosed bill to future taxpayers by .95 trillion — roughly 5 billion a year by 2012.

The Wall Street Journal did a great article on how much Obama’s plans are going to cost us.

Just wondering if anyone knows how much it truly will cost us all??

How much will his tax plans cost the average American?
**A trillion here, a trillion there, and pretty soon you’re talking about real money. Altogether, Mr. Obama is promising at least .3 trillion of increased spending and reduced tax revenue from 2009 to 2018 — roughly an extra 0 billion a year by 2012-2013.

How is he going to pay for it?

Raising the tax rates on the salaries, dividends and capital gains of those making more than 0,000-0,000, and phasing out their exemptions and deductions, can raise only a small fraction of the amount. Even if we have a strong economy, Mr. Obama’s proposed tax hikes on the dwindling ranks of high earners would be unlikely to raise much more than billion- billion a year by 2012.

http://online.wsj.com/article/SB122480790550265061.html

Funny…I am ignorant but how do you all think he will pay for his so called reformed health plan? With his 600 million in campaign funds? I think not!
I see no backup on where you got the numbers on McCain’s health care.

Turbo Tax tells me "We don’t see a health insurance deduction in your return for 2009. Since you own a business, you can write off your health insurance premiums as long as you don’t have coverage available through an employer."

We have retiree health insurance through my FORMER employer. Does that count? Do I get a separate write-off for health insurance premiums since I have some self-employment income (which exceeds my premiums), or do I add it on Schedule A to other medical deductions, which must exceed 7.5% of AGI before I get any deduction?
The former employer pays around 45% of the total cost of health coverage (not taxable to me), and I pay the other 55%. I want to know if my out of pocket share is fully deductible, or only on Sch. A when combined with other medical expenses.

my boss runs his own business. I know that health insurance is expensive, but was wondering if I could get health insurance through him. Are there any health insurance companies that work with business owners to get benefits for their employees? Could it possibly be a tax write off or deduction if he got me health insurance? I certainly do not make enough money to have insurance on my own, but do not qualify for any help from the gov’t.

Any websites on information about this would be helpful so I could put together a little package to show him. I’d like to ask him about it within the next few weeks. Thanks!!

I want to claim 7 allowances, my payroll manager said that was an awful lot. She would not offer any "adivse" or help to determine the number. So am I crazy? Perhaps someone out here can help me out…

I am filing jointly.
I make 000 with 00 annual bonus
My wife makes 000 with no regular bonus
No significant dividends, interest, etc.

Itemized Deductions:
000 Total Mortgage Interest for the year
00 Property Tax
0 Ad Volerum Tax (My State’s "Birthday" Tax)
00 State Tax
0 Charity
0 Car Loan Interest (does this even qualify?)
00 Business Mileage (this was reimbursed, do I still use it?)
00 Health Insurance (this may be pre-taxed?)
50 My 401K contribution (this may be pre-taxed?)
50 My Wife’s 401K contribution (again might be pre-taxed?)
No Children

I am guessing whatever the magic number is that I would do that only one W4, and would claim 0 on the other form…
In response to the third reply:

I was under the impression that deductions were most definitely revelant to Allowances you would claim. Is this not true? Isn’t the point to claim enough allowances so that you are very close to what you actually owe at the end of the year after deductions and credits.

Also, I was about 99% sure the Car Loan, Mileage, 401K, and Health Insurance did not qualify. I just wanted to check.

For 50 years the Left had its New Deal – disguised as a program to help the needy, this was a game of economic chairs – yes there were handouts but they were paid for via a graduated tax system the macroeconomic effect of which was to prevent most people from getting ahead, thus keeping them dependent on these handouts.

For 25 years we’ve chipped away at this – we’ve cut the marginal rates on individuals’ wages and their investment income and enlarged deductions and reduced rates for businesses. The result is that the proportion of the population that is financially independent of government – that is not one bad event away from needing one of those handouts – has grown dramatically.

The Leftists have fought this every step of the way and failed.

They realize that it is too late to put this cat back in the bag. They cannot reverse history. They cannot put us back into a situation where a majority of us are financially dependent upon government thus forced to vote for government largesse. They cannot make it the case that for most of us, one bad event puts us on the dole.

But it remains the case that any of us, at any time, could become sick or injured, and so they are attempting to use that potential dependence, rather than financial dependence or the threat of it, as their leverage to grow government and to foster dependence upon it.
Outcrop the health insurance companies will be the beneficiaries of government-run healthcare – - – they will get new subscribers whose bills will be paid on time – just not by those subscribers, rather by the rest of us.
Outcrop the health insurance companies will be the beneficiaries of government-run healthcare – - – they will get new subscribers whose bills will be paid on time – just not by those subscribers, rather by the rest of us.

Here’s a little tidbit-
Consider his proposals:

o In effect, he would legislate a 60 percent tax bracket for upper-income Americans, killing all initiative and innovation. He’d raise the top bracket to 40 percent. He’d apply FICA taxes to all income, not just that under 0,000 as at present. So add 40 percent plus FICA’s 12.5 percent plus Medicare’s 2 percent plus state and local taxes averaging, after deduction, at 5-6 percent, and you have a 60 percent bracket.

o He would double the capital gains tax, saddling the 50 percent of Americans who own stock with dramatically higher taxes.

o He’d double the dividend tax, hitting elderly coupon-clippers now retired and depending on fixed incomes.

o He wants to cover 12 million illegal immigrants with federally subsidized health insurance, dramatically driving up costs and forcing federal rationing of healthcare. As in the U.K. and Canada, you will not be permitted certain medical procedures if the bureaucrats decide you are not worth it.

o He proposes requiring Homeland Security operatives to notify terror suspects that they are under investigation within seven days of starting the investigation

o He says that unless they can establish that there is "probable cause to believe that a certain individual is linked to a specific terrorist group," Homeland Security cannot seize his documents and search his business. The current standard is only that the search be "relevant" to a terror investigation.

o In effect, he would legislate a 60 percent tax bracket for upper-income Americans, killing all initiative and innovation. He’d raise the top bracket to 40 percent. He’d apply FICA taxes to all income, not just that under 0,000 as at present. So add 40 percent plus FICA’s 12.5 percent plus Medicare’s 2 percent plus state and local taxes averaging, after deduction, at 5-6 percent, and you have a 60 percent bracket.

He does not oppose -per-gallon gasoline but only says that he wishes there had been a more "gradual adjustment" to the higher prices.

http://gulf1.typepad.com/gulf1_c_morris/2008/06/obamas-new-stra.html

PRETTY SCARY STUFF HUH?

Both McCain and Obama will have to raise taxes to pay for programs for which the public is clamoring, whether those programs are universal health insurance, expanding the military, trying to retire the national debt, or simply trying to balance the budget.

McCain proposes to increase your tax exemption for children by something like 5/year. That’s it, if you have children you get something, otherwise not. This will increase the deficit.

McCain proposes a 00-00 "refundable" tax credit for the purchase of health insurance while apparently proposing, as I understand it, eliminating the deduction for employer provided health insurance. This is a tax increase for business to pay for a tax benefit to the public. This is, ostensibly deficit neutral.

McCain will cut the corporate tax rate from 35% to 25%. This is proposed to keep American companies on shore and to stimulate the economy. This will not keep companies on shore because the 10% tax savings on profits is miniscule compared to the as much as 80% operating cost savings of exploitation of cheap foreign labor. And since most corporations do not pay any taxes due to loopholes it is ridiculous. All that will happen is that those that are paying taxes domestically will pay less and increase the deficit.

All of this tinkering with tax cuts will result in a net tax increase because a higher percentage of the operation of government will be placed on your credit card.

Obama’s plan, a tax cut for the middle class, should be offset by rolling back the Bush 43 tax cuts for the wealthy. Curtailing tax loopholes for companies operating offshore will have far reaching effects including reducing the deficit. As far as funding for new programs goes, there is little doubt that these, like universal healthcare or improving public education and tuition programs, will go on your nation’s credit card.

What’s in it for me? After all, I’m paying for it.

Your taxes are going to go up with either Obama or McCain. For whom you vote, if that is your issue, depends entirely on how much they will go up and/or what you will get in return