Sunday, December 16, 2007
The importance of life insurance
Life insurance may sound like something you only have to think about when you get older, but there are a variety of benefits to buying life insurance early on in your working career. Even if you don't have a family that is dependent on you, or if you feel that your employer's life insurance policy is adequate for your needs, there are many reasons why you should consider taking out your own life insurance policy. If your employer provides you with a life insurance policy, you shouldn’t necessarily rely on it. While many companies may offer life insurance as one of the key benefits of a job, the figure often doesn't cover enough to be of adequate benefit to your family - especially in the event of your death. For instance, many firms may offer life insurance that is one or two times the amount of your annual salary; but most financial planners will recommend replacing that with life insurance that covers up to 10 times your annual salary. Furthermore, it is always important for consumers to be aware of types of life insurance they can choose from: essentially, there are two types of life insurance: term insurance or investment type insurance. Term insurance will provide benefits to your family or your dependents if you die during the proposed period covered by your policy. Investment-type life insurance, also known as, "permanent insurance", will include endowment policies and "whole of life" policies. This type of life insurance remains in effect for as long as you continue to pay your premium. Essentially, part of this premium will go to an investment account; so, as well as paying out in the event of your death, it will build up in investment value - which you can actually cash in before you die. This is a great reason to invest in life insurance when you're younger - the earlier you buy, the higher the investment value that will accumulate during your lifetime, and the more you may be able to reclaim when you're older. Perhaps the most crucial piece of information to keep in mind during your search for life insurance, however, is the importance of shopping around. It is vital to ensure that the insurance you eventually invest in is the most suitable for your particular needs; so, as well as thinking about how much you can afford to pay, it is essential to think about what you actually need from life insurance cover. There are many consumer life insurance comparison sites that exist on the web which provide this valuable service. By utilising such services, as well as vital sources of information like the FSA Check Firm Service and the Citizens Advice Bureau, you will be armed with a hefty arsenal of consumer information so you can reach the right decision when it comes to buying life insurance.
MaaxUmaat
MaaxUmaatEnjoy Tranquility in Life
Description
Every individual dreams of having the most and the best of everything.
Every breadwinner of the family will always endeavor tirelessly to provide the best for their families' needs - physical, mental and economic.
This is not always easy, as it has been said "The sky is not always blue." Tomorrow is not something that we can take for granted for while it may bring joy, it may also bring sorrow.
Now your journey of life can be full of brightness and blue skies - you need not worry about those dark clouds on the horizon by choosing MaaxUmaat from MAA Assurance.
MaaxUmaat is a unique plan that provides protection and returns through regular savings in order to ensure the future of you and your family is safeguarded.
Benefits
Basic Protection
You have a choice of how much Life Insurance you want which is called the Basic Sum Assured. The Basic Sum Assured can be increased or decreased subject to current underwriting requirements. Upon death both the Basic Sum Assured and the Investment Account balance are payable.
Upon Total and Permanent Disability before age 65, the Basic Sum Assured is payable and you have the choice of:
Terminating the policy and receiving the Investment Account value; or
Continuing with the Investment Account
Khusus Protection
Funeral Expenses (Khairat Kematian) of RM2,000. This benefit is payable within 24 hours of presentation of claim supported by certified copy of Police Report and Death Certificate.
An additoinal benefit of RM5,000 is payable on death, where the beneficiary has an option to use the benefit for the purpose of:
Repatriation Benefit - Transportation of the body or mortal remains of the insured person back to Malaysia.
Ziarah - Cost incurred in funeral/flight/hotel etc for insured family to arrange for funeral outside Malaysia.
Other purposes.
Ziarah Protection
100% of the Rider Sum Assured is payable in the event of Accidental Death or Total and Permanent Disability (Maximum RM100,000)
200% of the Rider Sum Assured is payable if Accidental Death or Total and Permanent Disability occurs in Saudi Arabia during Haj / Umrah (Maximum RM200,000).
Riyal Benefit
Guaranteed Cash Payment of up to RM3,000 (your choice of a multiple of RM300) at the end of every 3 policy years.
Investment Account
You have a choice of professionally managed, Syariah-compliant MAA investment-linked funds to choose from, depending on your investment objectives, risk profiles and investment horizons. You also have the flexibility to switch your investments between these funds as your risk profile changes.
MaaxUmaat gives you the flexibility to top-up on a regular basis with MaaxSaver, which starts from as low as RM50 a month. In addition, you also have the flexibility to top-up your investment at any time with a minimum lump sum payment of RM2,000. These top-up facilities are available to you to maximise your investment.
Who is Eligible?You can be insured with MaaxUmaat if you are between 30 days and 69 years of age; however, the policyholder must be at least 18 years old.
What about the Premium Rates?MaaxUmaat can be yours for as little as RM50 a month or RM600 a year. You have the flexibility to pay the premiums monthly, quarterly, half-yearly or annually.
Description
Every individual dreams of having the most and the best of everything.
Every breadwinner of the family will always endeavor tirelessly to provide the best for their families' needs - physical, mental and economic.
This is not always easy, as it has been said "The sky is not always blue." Tomorrow is not something that we can take for granted for while it may bring joy, it may also bring sorrow.
Now your journey of life can be full of brightness and blue skies - you need not worry about those dark clouds on the horizon by choosing MaaxUmaat from MAA Assurance.
MaaxUmaat is a unique plan that provides protection and returns through regular savings in order to ensure the future of you and your family is safeguarded.
Benefits
Basic Protection
You have a choice of how much Life Insurance you want which is called the Basic Sum Assured. The Basic Sum Assured can be increased or decreased subject to current underwriting requirements. Upon death both the Basic Sum Assured and the Investment Account balance are payable.
Upon Total and Permanent Disability before age 65, the Basic Sum Assured is payable and you have the choice of:
Terminating the policy and receiving the Investment Account value; or
Continuing with the Investment Account
Khusus Protection
Funeral Expenses (Khairat Kematian) of RM2,000. This benefit is payable within 24 hours of presentation of claim supported by certified copy of Police Report and Death Certificate.
An additoinal benefit of RM5,000 is payable on death, where the beneficiary has an option to use the benefit for the purpose of:
Repatriation Benefit - Transportation of the body or mortal remains of the insured person back to Malaysia.
Ziarah - Cost incurred in funeral/flight/hotel etc for insured family to arrange for funeral outside Malaysia.
Other purposes.
Ziarah Protection
100% of the Rider Sum Assured is payable in the event of Accidental Death or Total and Permanent Disability (Maximum RM100,000)
200% of the Rider Sum Assured is payable if Accidental Death or Total and Permanent Disability occurs in Saudi Arabia during Haj / Umrah (Maximum RM200,000).
Riyal Benefit
Guaranteed Cash Payment of up to RM3,000 (your choice of a multiple of RM300) at the end of every 3 policy years.
Investment Account
You have a choice of professionally managed, Syariah-compliant MAA investment-linked funds to choose from, depending on your investment objectives, risk profiles and investment horizons. You also have the flexibility to switch your investments between these funds as your risk profile changes.
MaaxUmaat gives you the flexibility to top-up on a regular basis with MaaxSaver, which starts from as low as RM50 a month. In addition, you also have the flexibility to top-up your investment at any time with a minimum lump sum payment of RM2,000. These top-up facilities are available to you to maximise your investment.
Who is Eligible?You can be insured with MaaxUmaat if you are between 30 days and 69 years of age; however, the policyholder must be at least 18 years old.
What about the Premium Rates?MaaxUmaat can be yours for as little as RM50 a month or RM600 a year. You have the flexibility to pay the premiums monthly, quarterly, half-yearly or annually.
Public Mutual Won the Most Outstanding Islamic Fund Manager Award
Public Mutual Won the Most Outstanding Islamic Fund Manager Award
Tan Sri Dato’ Sri Dr. Teh Hong Piow, Chairman of Public Mutual, receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.
Public Bank’s wholly-owned subsidiary, Public Mutual won the Most Outstanding Islamic Fund Manager award at the recent KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2007 ceremony organised by The Centre for Research and Training (CERT) together with the host, Halal Industry Development Corporation (HDC), and in collaboration with Dow Jones Islamic Market Indexes (DJIM), the International Institute of Islamic Finance (IIIF) and Messrs Hisham, Sobri & Kadir (HSK).
The award was presented by Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II to Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow during the award presentation ceremony which was held on 20 November 2007 at the Nikko Hotel Kuala Lumpur. The objective of the awards is to honor and appreciate efforts of the institutions and organizations that have given significant contribution in developing the industry.
Tan Sri Dato’ Sri Dr. Teh Hong Piow said that he is very proud that Public Mutual won the Most Outstanding Islamic Fund Manager at the recent KLIFF. “Winning this award not only reinforces our leadership position in the industry but also affirms our commitment to excellence. This achievement is a testimony of Public Mutual’s collective dedication and commitment to continuously deliver value to our investors,” he said.
Over the years, Islamic fund industry in Malaysia has grown rapidly and remains highly competitive. From 2001 to 31 October 2007, Public Mutual Islamic funds’ total net asset value has grown by 2500% from RM0.3 billion in 2001 to RM7.9 billion as at end October 2007; while the industry’s Islamic funds total net asset value grew by 615% from RM2.0 billion to RM14.3 billion over the same period. Public Mutual is the leader in the private Islamic fund industry with a market share of more than 55% as at end October 2007.
Public Mutual is the largest private unit trust company in Malaysia as well as the most awarded, raking in a total of 100 major awards since 1999. The Most Outstanding Islamic Fund Manager Award represents the 101st award won by Public Mutual Berhad. The company is also the most awarded Islamic unit trust fund manager in Malaysia, winning a total of 27 Islamic Fund Awards. This includes the "Best Fund Manager in Asia 2006" awarded by Failaka Advisors, Dubai, a recognized leader in the field of Islamic fund research.
Public Mutual currently manages 54 funds for more than 1,350,000 accountholders. As at 31 October 2007, the total net asset value of the funds managed by the company was RM26.7 billion.
Tan Sri Dato’ Sri Dr. Teh Hong Piow, Chairman of Public Mutual, receiving the Most Outstanding Islamic Fund Manager Award from Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II.
Public Bank’s wholly-owned subsidiary, Public Mutual won the Most Outstanding Islamic Fund Manager award at the recent KLIFF (Kuala Lumpur Islamic Finance Forum) Islamic Finance Awards 2007 ceremony organised by The Centre for Research and Training (CERT) together with the host, Halal Industry Development Corporation (HDC), and in collaboration with Dow Jones Islamic Market Indexes (DJIM), the International Institute of Islamic Finance (IIIF) and Messrs Hisham, Sobri & Kadir (HSK).
The award was presented by Y.B Tan Sri Nor Mohamed Yakcop, Minister of Finance II to Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow during the award presentation ceremony which was held on 20 November 2007 at the Nikko Hotel Kuala Lumpur. The objective of the awards is to honor and appreciate efforts of the institutions and organizations that have given significant contribution in developing the industry.
Tan Sri Dato’ Sri Dr. Teh Hong Piow said that he is very proud that Public Mutual won the Most Outstanding Islamic Fund Manager at the recent KLIFF. “Winning this award not only reinforces our leadership position in the industry but also affirms our commitment to excellence. This achievement is a testimony of Public Mutual’s collective dedication and commitment to continuously deliver value to our investors,” he said.
Over the years, Islamic fund industry in Malaysia has grown rapidly and remains highly competitive. From 2001 to 31 October 2007, Public Mutual Islamic funds’ total net asset value has grown by 2500% from RM0.3 billion in 2001 to RM7.9 billion as at end October 2007; while the industry’s Islamic funds total net asset value grew by 615% from RM2.0 billion to RM14.3 billion over the same period. Public Mutual is the leader in the private Islamic fund industry with a market share of more than 55% as at end October 2007.
Public Mutual is the largest private unit trust company in Malaysia as well as the most awarded, raking in a total of 100 major awards since 1999. The Most Outstanding Islamic Fund Manager Award represents the 101st award won by Public Mutual Berhad. The company is also the most awarded Islamic unit trust fund manager in Malaysia, winning a total of 27 Islamic Fund Awards. This includes the "Best Fund Manager in Asia 2006" awarded by Failaka Advisors, Dubai, a recognized leader in the field of Islamic fund research.
Public Mutual currently manages 54 funds for more than 1,350,000 accountholders. As at 31 October 2007, the total net asset value of the funds managed by the company was RM26.7 billion.
Wednesday, August 15, 2007
Why you need a Medical Card - ML207
Life - MedicaLife 207
Description
Your life is always precious, especially to your loved ones. It’s a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don’t let yourself be caught unprepared for these sudden mishaps.
Protect yourself against the rising cost of medical treatment with MedicaLife 207.
Benefits
This is a guaranteed renewal policy up to age 80. MedicaLife 207 is a standalone Hospitalisation & Surgical policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit – as high as RM 600,000.
The Insured will be provided with a MedicaLife 207 Medical Card to facilitate hospital admission. The Medical Card is accepted by a panel of quality hospitals nationwide.
The Insured will also get to enjoy international assistance programs with MedicaLife 207. The services offered are International Medical Assistance, Travel Assistance, Car Assistance and Home Assistance.
Schedule of Benefit
PLANS
PLAN 1 PLAN 2 PLAN 3 PLAN 4
BENEFITS
RM
Overall Annual Limit
50,000 100,000 150,000 200,000
Lifetime Limit
150,000 300,000 450,000 600,000
LIMIT PER DISABILITY
HOSPITAL BENEFITS
Hospital Room & Board
(max. 200 days per annum) 120 180 260 350
Intensive Care Unit
(max. 60 days per annum) As Charged
Hospital Supplies & Services
Surgical Fees
Anaesthetist Fees
Operating Theatre
Pre-Hospital Diagnostic Tests
(within 60 days prior to admission)
Pre-Hospital Specialist Consultation
(within 60 days prior to admission)
In-Hospital Physician Visit
(max. 200 days per annum)
Post Hospitalisation Treatment
(within 31 days from discharge)
OUTPATIENT BENEFITS
Emergency Accidental Outpatient Treatment
(within 24 hours and follow-up treatment to a max. of 31 days) As Charged
Out-patient Physiotherapy Treatment
(within 90 days from discharge / surgery)
Ambulance Fees 300 400 500 750
Out-patient Kidney Dialysis Treatment
(per annum) 12,000 18,000 25,000 35,000
Out-patient Cancer Treatment
(per annum) 12,000
18,000 25,000 35,000
OTHER BENEFITS
Daily-Cash Allowance at Government Hospital (max. 200 days per annum) 50 60 75 85
Home Nursing Care
(max. per disability) 500 750 1,000 1,500
Insured Child’s Daily Guardian Benefit
(max. per disability) 200 250 300 400
Medical Report Fee 80 80 100 100
Government Service Tax As Charged
Who is eligible?
You can be insured with MedicaLife 207 if you are between 0 (30 days) and 59 years old (age last birthday).
Description
Your life is always precious, especially to your loved ones. It’s a sad reality but life can be changed forever through a freak accident, a sudden heart attack or a dread disease. Its effects can be devastating, especially on your family! So, don’t let yourself be caught unprepared for these sudden mishaps.
Protect yourself against the rising cost of medical treatment with MedicaLife 207.
Benefits
This is a guaranteed renewal policy up to age 80. MedicaLife 207 is a standalone Hospitalisation & Surgical policy with 4 plans available for the Insured. It prepares policyholders for costly medical expenses with high lifetime limit – as high as RM 600,000.
The Insured will be provided with a MedicaLife 207 Medical Card to facilitate hospital admission. The Medical Card is accepted by a panel of quality hospitals nationwide.
The Insured will also get to enjoy international assistance programs with MedicaLife 207. The services offered are International Medical Assistance, Travel Assistance, Car Assistance and Home Assistance.
Schedule of Benefit
PLANS
PLAN 1 PLAN 2 PLAN 3 PLAN 4
BENEFITS
RM
Overall Annual Limit
50,000 100,000 150,000 200,000
Lifetime Limit
150,000 300,000 450,000 600,000
LIMIT PER DISABILITY
HOSPITAL BENEFITS
Hospital Room & Board
(max. 200 days per annum) 120 180 260 350
Intensive Care Unit
(max. 60 days per annum) As Charged
Hospital Supplies & Services
Surgical Fees
Anaesthetist Fees
Operating Theatre
Pre-Hospital Diagnostic Tests
(within 60 days prior to admission)
Pre-Hospital Specialist Consultation
(within 60 days prior to admission)
In-Hospital Physician Visit
(max. 200 days per annum)
Post Hospitalisation Treatment
(within 31 days from discharge)
OUTPATIENT BENEFITS
Emergency Accidental Outpatient Treatment
(within 24 hours and follow-up treatment to a max. of 31 days) As Charged
Out-patient Physiotherapy Treatment
(within 90 days from discharge / surgery)
Ambulance Fees 300 400 500 750
Out-patient Kidney Dialysis Treatment
(per annum) 12,000 18,000 25,000 35,000
Out-patient Cancer Treatment
(per annum) 12,000
18,000 25,000 35,000
OTHER BENEFITS
Daily-Cash Allowance at Government Hospital (max. 200 days per annum) 50 60 75 85
Home Nursing Care
(max. per disability) 500 750 1,000 1,500
Insured Child’s Daily Guardian Benefit
(max. per disability) 200 250 300 400
Medical Report Fee 80 80 100 100
Government Service Tax As Charged
Who is eligible?
You can be insured with MedicaLife 207 if you are between 0 (30 days) and 59 years old (age last birthday).
Thursday, May 31, 2007
SC sekat laman web pelaburan Internet tidak sah mulai 11 Jun
Muka Hadapan (Utusan Malaysia : 01JUN2007)
SC sekat laman web pelaburan Internet tidak sah mulai 11 Jun
KUALA LUMPUR 31 Mei – Selepas memberi amaran berulang kali, Suruhanjaya Sekuriti (SC) hari ini bertegas dengan memberi kata dua kepada semua pelabur skim yang tidak sah melalui Internet supaya mengeluarkan wang pelaburan sebelum 11 Jun ini.
Jika tidak, bermula dari tarikh tersebut, akses ke laman-laman web tempatan dan asing yang mempromosikan skim pelaburan secara dalam talian yang tidak pasti kesahihannya itu akan disekat.
Ini bermaksud para pelabur yang masih tidak mengeluarkan wang mereka bukan saja tidak akan dapat lagi mengakses laman-laman web itu malah tidak lagi dapat memasuki akaun mereka bagi melakukan sebarang urus niaga.
Setakat ini, laman web SC masih memaparkan senarai amaran mengandungi 45 laman web dan 15 syarikat yang dikesan menjalankan aktiviti pasaran modal dan sekuriti tanpa kelulusan suruhanjaya itu.
Dalam kenyataannya hari ini, SC memberitahu, tindakan tegas menyekat laman-laman web itu akan dilakukan dengan kerjasama Suruhanjaya Komunikasi dan Multimedia Malaysia (MCMC) dan Pusat Keselamatan Siber Malaysia (CyberSecurities).
Menurutnya, ketiga-tiga pihak bekerjasama menjejak, mengenal pasti dan menyekat akses ke laman-laman web berkenaan.
Pada 12 April lalu, Majlis Fatwa Kebangsaan pada persidangan di Kuala Terengganu membuat ketetapan bahawa semua pelaburan di Internet, termasuk SwissCash yang menjanjikan faedah atau pulangan tetap sebagai haram kerana berunsur riba.
Keputusan majlis itu memberi kesan kepada aktiviti pelaburan melibatkan tidak kurang 500,000 orang Islam termasuk golongan kenamaan dan profesional berpangkat Tan Sri dan Datuk.
Nilai pelaburan keseluruhan dalam skim melalui Internet itu dianggar mencecah RM1 bilion.
Sehubungan itu, bagi memastikan para pelabur dilindungi undang-undang sekuriti, orang ramai yang ingin terus membuat pelaburan dinasihatkan supaya hanya melabur dengan pihak yang mempunyai lesen dikeluarkan SC.
Senarai syarikat dan individu yang dilesenkan oleh SC dan senarai amaran boleh diketahui menerusi laman web suruhanjaya itu www.sc.com.my.
SC sekat laman web pelaburan Internet tidak sah mulai 11 Jun
KUALA LUMPUR 31 Mei – Selepas memberi amaran berulang kali, Suruhanjaya Sekuriti (SC) hari ini bertegas dengan memberi kata dua kepada semua pelabur skim yang tidak sah melalui Internet supaya mengeluarkan wang pelaburan sebelum 11 Jun ini.
Jika tidak, bermula dari tarikh tersebut, akses ke laman-laman web tempatan dan asing yang mempromosikan skim pelaburan secara dalam talian yang tidak pasti kesahihannya itu akan disekat.
Ini bermaksud para pelabur yang masih tidak mengeluarkan wang mereka bukan saja tidak akan dapat lagi mengakses laman-laman web itu malah tidak lagi dapat memasuki akaun mereka bagi melakukan sebarang urus niaga.
Setakat ini, laman web SC masih memaparkan senarai amaran mengandungi 45 laman web dan 15 syarikat yang dikesan menjalankan aktiviti pasaran modal dan sekuriti tanpa kelulusan suruhanjaya itu.
Dalam kenyataannya hari ini, SC memberitahu, tindakan tegas menyekat laman-laman web itu akan dilakukan dengan kerjasama Suruhanjaya Komunikasi dan Multimedia Malaysia (MCMC) dan Pusat Keselamatan Siber Malaysia (CyberSecurities).
Menurutnya, ketiga-tiga pihak bekerjasama menjejak, mengenal pasti dan menyekat akses ke laman-laman web berkenaan.
Pada 12 April lalu, Majlis Fatwa Kebangsaan pada persidangan di Kuala Terengganu membuat ketetapan bahawa semua pelaburan di Internet, termasuk SwissCash yang menjanjikan faedah atau pulangan tetap sebagai haram kerana berunsur riba.
Keputusan majlis itu memberi kesan kepada aktiviti pelaburan melibatkan tidak kurang 500,000 orang Islam termasuk golongan kenamaan dan profesional berpangkat Tan Sri dan Datuk.
Nilai pelaburan keseluruhan dalam skim melalui Internet itu dianggar mencecah RM1 bilion.
Sehubungan itu, bagi memastikan para pelabur dilindungi undang-undang sekuriti, orang ramai yang ingin terus membuat pelaburan dinasihatkan supaya hanya melabur dengan pihak yang mempunyai lesen dikeluarkan SC.
Senarai syarikat dan individu yang dilesenkan oleh SC dan senarai amaran boleh diketahui menerusi laman web suruhanjaya itu www.sc.com.my.
Monday, May 28, 2007
What Warren Buffet (The Second Richest Man Worldwide) Says ???
There was a one hour interview on CNBC with Warren Buffet, the secondrichest man who has donated $31 billion to charity. Here are some very interesting aspects of his life:
1. He bought his first share at age 11 and he now regrets that he started too late!
2. He bought a small farm at age 14 with savings from delivering newspapers.
3. He still lives in the same small 3-bedroom house in mid-town Omaha , that he bought after
he got married 50 years ago. He says that he has everything he needs in that house. His
house does not have a wall or a fence.
4. He drives his own car everywhere and does not have a driver or security people around him. 5. He never travels by private jet, although he owns the world's largest private jet company.
6. His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year
to the CEOs of these companies, giving them goals for the year. He never holds meetings or
calls them on a regular basis.
He has given his CEO's only two rules.
Rule number 1: do not lose any of your share holder's money.
Rule number 2: Do not forget rule number 1.
7. He does not socialize with the high society crowd. His past time after he gets home is to
make himself some pop corn and watch Television.
8. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did
not think he had anything in common with Warren Buffet. So he had scheduled his meeting
only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill
Gates became a devotee of Warren Buffet.
9. Warren Buffet does not carry a cell phone, nor has a computer on his desk.
His advice to young people: "Stay away from credit cards and invest in yourself and
Remember:
A. Money doesn't create man but it is the man who created money.
B. Live your life as simple as you are.
C. Don't do what others say, just listen them, but do what you feel good.
D. Don't go on brand name; just wear those things in which u feel comfortable.
E. Don't waste your money on unnecessary things; just spend on them who really in need
rather.
F. After all it's your life then why give chance to others to rule our life."
1. He bought his first share at age 11 and he now regrets that he started too late!
2. He bought a small farm at age 14 with savings from delivering newspapers.
3. He still lives in the same small 3-bedroom house in mid-town Omaha , that he bought after
he got married 50 years ago. He says that he has everything he needs in that house. His
house does not have a wall or a fence.
4. He drives his own car everywhere and does not have a driver or security people around him. 5. He never travels by private jet, although he owns the world's largest private jet company.
6. His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year
to the CEOs of these companies, giving them goals for the year. He never holds meetings or
calls them on a regular basis.
He has given his CEO's only two rules.
Rule number 1: do not lose any of your share holder's money.
Rule number 2: Do not forget rule number 1.
7. He does not socialize with the high society crowd. His past time after he gets home is to
make himself some pop corn and watch Television.
8. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did
not think he had anything in common with Warren Buffet. So he had scheduled his meeting
only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill
Gates became a devotee of Warren Buffet.
9. Warren Buffet does not carry a cell phone, nor has a computer on his desk.
His advice to young people: "Stay away from credit cards and invest in yourself and
Remember:
A. Money doesn't create man but it is the man who created money.
B. Live your life as simple as you are.
C. Don't do what others say, just listen them, but do what you feel good.
D. Don't go on brand name; just wear those things in which u feel comfortable.
E. Don't waste your money on unnecessary things; just spend on them who really in need
rather.
F. After all it's your life then why give chance to others to rule our life."
Saturday, May 5, 2007
Cabaran Kita
Kehidupan melanda kita pada kelajuan peluru, Namun, is juga membawa peluang-peluang yang menakjubkan untuk mereka yang mampu menyahut cabaran.
Cabarannya ialah - menjadi lebih baik pada kadar lebih cepat.
Era baru menuntut respon lebih laju. Penyesuain serta merta. Hasil cepat. Lebih-lebih lagi, era ini menuntut peningkatan diri pada kadar yang sekurang-kurangnya dapat menandingi kadar perubahan. Kadar perubahan kini semakin laju.
Kita mesti meningkatkan penyesuain diri kepada kekerapan anjakan karier dan peranan baru kerja kita. Kita mesti punyai satu formula yang dapat membantu kita memanfaatkan potensi terpendam kita. Kita mesti tahu cara membuat sumbangan yang memberi hasil ketara. Hanya dengan mengubah cara kita mengerahkan diri, barulah dapat kita menunjukkan hasil yang dituntut oleh masa kini.
Kemahiran yang telah menghasilkan kejayaan tahun lepas, mungkin tidak releven lagi esok. Pendidikan yang kita anggap sudah "selesai" tidak dapat menjamin karier kita lagi. Asas pengalaman yang luas juga tidak begitu memberi jaminan, kerana ia cepat ketinggalan zaman.
Kita tahu, kita perkan lebih.
Situasi ini menuntut satu strategi yang mapan. Kita perlukan satu kaedah untuk mengerakkan diri agar dapat menandingi isyarat-isyarat karier yang kita hadapi.
Rahsianya ialah Peningkatan Laju peribadi ... satu rutin yang sengaja, disiplin ... yang menghasilkan "Prestasi" dramatik.
Jumpa lagi !!!!
Ahmad Shah
012 4771676
Cabarannya ialah - menjadi lebih baik pada kadar lebih cepat.
Era baru menuntut respon lebih laju. Penyesuain serta merta. Hasil cepat. Lebih-lebih lagi, era ini menuntut peningkatan diri pada kadar yang sekurang-kurangnya dapat menandingi kadar perubahan. Kadar perubahan kini semakin laju.
Kita mesti meningkatkan penyesuain diri kepada kekerapan anjakan karier dan peranan baru kerja kita. Kita mesti punyai satu formula yang dapat membantu kita memanfaatkan potensi terpendam kita. Kita mesti tahu cara membuat sumbangan yang memberi hasil ketara. Hanya dengan mengubah cara kita mengerahkan diri, barulah dapat kita menunjukkan hasil yang dituntut oleh masa kini.
Kemahiran yang telah menghasilkan kejayaan tahun lepas, mungkin tidak releven lagi esok. Pendidikan yang kita anggap sudah "selesai" tidak dapat menjamin karier kita lagi. Asas pengalaman yang luas juga tidak begitu memberi jaminan, kerana ia cepat ketinggalan zaman.
Kita tahu, kita perkan lebih.
Situasi ini menuntut satu strategi yang mapan. Kita perlukan satu kaedah untuk mengerakkan diri agar dapat menandingi isyarat-isyarat karier yang kita hadapi.
Rahsianya ialah Peningkatan Laju peribadi ... satu rutin yang sengaja, disiplin ... yang menghasilkan "Prestasi" dramatik.
Jumpa lagi !!!!
Ahmad Shah
012 4771676
New Venture & Expension of Business .. Emmmm ... smell good
Its us again !!!! Just discovered a new product "2U" .... hurry up .. its very very cheap ...
Welcome to the beautiful world of Le Rêve.
Discover the Le Rêve dream ... a dream you can share; a dream that will take you further than you ever imagined.
A dream that is real.
Indulge your senses... explore our exquisite range of Fine Fragrances, sensual Aromatherapy and superb Skincare collections.
Pamper yourself... shop with friends in the cosy, relaxed atmosphere of home. Or create a social occasion by hosting a party of your own.
Reap fabulous rewards... simply by introducing others to Le Rêve's exceptional products you can open the door to financial freedom; to a luxurious new existence that gives you time to enjoy the most precious things in life.
Le Rêve ... dream products, dream opportunities.
Welcome to the beautiful world of Le Rêve.
Discover the Le Rêve dream ... a dream you can share; a dream that will take you further than you ever imagined.
A dream that is real.
Indulge your senses... explore our exquisite range of Fine Fragrances, sensual Aromatherapy and superb Skincare collections.
Pamper yourself... shop with friends in the cosy, relaxed atmosphere of home. Or create a social occasion by hosting a party of your own.
Reap fabulous rewards... simply by introducing others to Le Rêve's exceptional products you can open the door to financial freedom; to a luxurious new existence that gives you time to enjoy the most precious things in life.
Le Rêve ... dream products, dream opportunities.
Friday, May 4, 2007
ABOUT NSP
Started with small support towards General Insurance - Renewal or Roadtax/Insurance in 2003 under Takaful Nasional wings and continue to serve all the valuable customers until todate. Finally, we have opened our own office in Taman Desa Murni, Sungai Dua Butterworth (MPSP Business Complex) to cater all the assisting and future customers.
At the same time, NSP has started to promote Public Mutual Berhad (A Subsidiary of Public Bank Berhad) Unit Trust in year 2005 and expended their product into MAA (Malaysian Assusrance Alliance) to promote LIFE Insurance to all the potential customers.
Its good to have product solutions to our valuable customers and this will be certainly appreciated by them .. InsyaAllah.
You may contact us at:
Office : Tel # 04 3563550 ; Fax# 04 3563558
Mobile : 019 4150500 - Salina (CEO) ; cory_nsp@yahoo.com
Mobile : 012 4771676 - Ahmad Shah (Advisor) ; shah_nsp@yahoo.com
Our address are as follows:
NS Perfect Enterprise
Ruang Niaga 27, Jalan Murni
Kompleks Perniagaan, Taman Desa Murni
Butterworth 13800
Penang, Malaysia
At the same time, NSP has started to promote Public Mutual Berhad (A Subsidiary of Public Bank Berhad) Unit Trust in year 2005 and expended their product into MAA (Malaysian Assusrance Alliance) to promote LIFE Insurance to all the potential customers.
Its good to have product solutions to our valuable customers and this will be certainly appreciated by them .. InsyaAllah.
You may contact us at:
Office : Tel # 04 3563550 ; Fax# 04 3563558
Mobile : 019 4150500 - Salina (CEO) ; cory_nsp@yahoo.com
Mobile : 012 4771676 - Ahmad Shah (Advisor) ; shah_nsp@yahoo.com
Our address are as follows:
NS Perfect Enterprise
Ruang Niaga 27, Jalan Murni
Kompleks Perniagaan, Taman Desa Murni
Butterworth 13800
Penang, Malaysia
Roadtax & Insurance Renewal ??? We can assist you
You can call us at anytime, anywhere & we will difinitely be there for you. TAKAFUL NASIONAL has entrusted us to acting on behlf of them to become an solid consultant to do their jobs on behalf. With MUDHARABAH scheme, our Muslims fellow will have no doubts to participate.
Call us at 04 3563550 !!! Ahmad Shah or Salina (Cory) - 019 4150500
Wassalam
Call us at 04 3563550 !!! Ahmad Shah or Salina (Cory) - 019 4150500
Wassalam
Monday, April 30, 2007
Why you need Insurance & Saving ???
You may not realize how importance Insurance & Saving. Many of us will think that saving will give our financial strenght better thus, they will not think if anything happen to them being the No. 1 in the family, how their kids to survive ???
For me, Insurance becoming No. 1 because its a needs for every each of us with the current market changes where health will be one of the most importance topic to be discussed. And, after fulfillement of the needs, then we can think over the surplus to become our saving & you can choose the transport of the investment vehicle.
For me, I would choose the legal transport such as PUBLIC MUTUAL a subsidiary of Public Bank investment arm to let our $$ accumulate & to become part of our retirment plans.
Continue //....... see yeahhhhh
For me, Insurance becoming No. 1 because its a needs for every each of us with the current market changes where health will be one of the most importance topic to be discussed. And, after fulfillement of the needs, then we can think over the surplus to become our saving & you can choose the transport of the investment vehicle.
For me, I would choose the legal transport such as PUBLIC MUTUAL a subsidiary of Public Bank investment arm to let our $$ accumulate & to become part of our retirment plans.
Continue //....... see yeahhhhh
Wednesday, April 25, 2007
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