NSP2U - Your Real Partner

Kebaikan Buah Delima

2010-04-14T22:53:00.000-07:00

Buah delima adalah salah satu buah yang terdapat di dalam syurga yang kaya dengan unsur zat besi sebagaimana firman Allah: (Q:55:6) Maksudnya :"Pada keduanya juga terdapat buah-buahan serta pohon-pohon kurma dan delima. Buah delima atau dari segi saintifiknya Punica granatum mempunyai pelbagai keistimewaan, selain dari sedap dimakan ,ia juga mempunyai kebaikan dari segi kesihatan.Zat besi yang terdapat dalam buah delima dianggap sebagai unsur penting dalam pembentukan darah merah. Seseorang yang kekurangan zat besi akan mengalami penyakit anemia. Dengan hanya sebiji buah delima mampu memberi khasiat yang banyak kepada kita. Buah Delima mempunyai kadar antioksidan yang paling tinggi diantara buah-buahan yang lain. Delima, sejenis buah lain yang disebutkan di dalam Al-Qur`an, mengandung potassium yang besar volumenya, selain dari mineral-mineral lain seperti fosfor, kalsium, besi, dan sodium, dan vitaman-vitamin A, B1, B2, B3, dan C. Bereaksi bersama sodium, potassium mengatur ekuilibrium air tubuh dan menjaga detak jantung agar tetap normal..(bagi ibu dan perkembangan fetusnya). Dengan memelihara keseimbangan kadar potassium-sodium, buah ini juga menunjang kepekaan saraf dan otot agar berfungsi secara teratur( kajian mendapati rahim wanita lebih utuh/kuat sesuai dengan kepekaan nya menunjang pergerakan bayi yg dikandung) , mencegah edema, dan mengurangi kadar gula yang beredar di dalam darah ( ibu yang baru pertama kali mengandung atau lebih dari 3 kali pregnancy No.). Delima menghilangkan rasa letih otot dan memungkinkannya bergerak dengan mudah,dan juga menguatkan jantung. Antara kebaikannya yang lain: *menghalang pembentukan sel kanser *mencantikkan kulit *mencegah dr nyanyuk *memberi tenaga *elok utk pesakit tekanan drh tinggi dan rendah *elok utk sistem penghadaman *mngurangkan berat badan *prevent morning sickness( utk org mengandung) *memperelokkan rahim Maklumat Pertanian - Ternakan, Tanaman, Perikanan & AgrotourismSekadar Info,Rujukan dan Ilmu.

Public Mutual emerges as the Biggest Winner for 7th consecutive year

2010-04-14T22:52:00.001-07:00

Public Bank’s wholly-owned subsidiary, Public Mutual swept 10 out of the 29 awards, including the most prestigious “Best Overall Fund Group” award, at The Edge-Lipper Malaysia Fund Awards 2010 held at the Kuala Lumpur Convention Centre on 23 February 2010. This is the 7th consecutive year Public Mutual has emerged as the biggest winner at the annual awards event.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride at the outstanding achievement despite a challenging year in 2009. “These awards demonstrate Public Mutual's commitment in continuously delivering top value as well as meeting the diverse needs of our unitholders,” he said.
By winning these awards, Public Mutual has to date received a total of 148 industry awards. Tan Sri Teh dedicated these awards to Public Mutual’s board of directors, management, staff, unit trust consultants and investors for their unwavering support and confidence over the years.
The 10 awards won by Public Mutual are:
No
Fund / Company
Category
1
Public Mutual Berhad
Best Overall Fund Group Award

2
Public Regional Sector Fund
Equity Asia Pacific
3 years
3
Public Far-East Dividend Fund
Equity Asia Pacific Ex Japan
3 years
4
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
3 years
5
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
5 years
6
Public Bond Fund
Bond Malaysian Ringgit
10 years
7
PB Balanced Fund
Mixed Asset MYR Balanced
10 years
8
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
3 years
9
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
5 years
10
Public Ittikal Fund
Equity Malaysia - Islamic
10 years
Public Mutual is Malaysia’s largest private unit trust company with 73 funds under management. It has over 2,000,000 accountholders and as at 31 December 2009, the total net asset value of the funds managed by the company was RM35.6 billion.

Finally ... Jumpa Jugak Kawan-Kawan ex-ITM Arau Diploma in Banking

2009-11-12T23:45:00.000-08:00

Kepada Kawan-Kawan yang budiman, InsyaAllah ... reunion kat Penang kut ....

Super Wealth Plan

2009-04-06T23:56:00.001-07:00

Super Wealth PlanSecure Your Dreams Today!
Description
Life is always changing and full of surprises. Unexpected events unfold when you least expect them and you really want to be prepared when they do.Super Wealth Plan provides both life insurance protection and savings in one neat package – striking the perfect balance of protection and savings that you deserve. This plan rewards you with guaranteed cash payments starting from the 6th policy year and every 3 policy years thereafter, until you reach age 80 where you’ll then be rewarded with maturity benefit. It also provides you with life insurance coverage till maturity. With Super Wealth Plan you have taken the first step towards securing your dreams.So, go ahead!!! Live your day to the fullest as Super Wealth Plan provides you with benefits in so many wonderful ways!
Benefits
Guaranteed Cash PaymentsSuper Wealth Plan rewards you with guaranteed cash payments of 10% of the sum assured starting from the end of the 6th policy year and every 3 policy years thereafter. Besides, you can opt to leave the guaranteed cash payments to accumulate and let the cash grow further!
End of Policy Year
Guaranteed Cash Payments (% of Basic Sum Assured)
6th
10%
Every 3 policy years thereafter (till age 80)
10%
At age 80 (Maturity Benefit)
100%
Guaranteed Maturity BenefitIf you maintain the policy until maturity at age 80, you’ll be rewarded with maturity benefit in the form of 100% of the sum assured in one lump sum payment.Guaranteed Lifetime CoverageIt provides you with basic life insurance protection until policy maturity at age 80.Guaranteed PremiumWith Super Wealth Plan, basic premiums are payable and guaranteed to remain unchanged throughout the policy years up to age 80. You have the flexibility to pay the premiums monthly, quarterly, semi-annually or annually.Protects the Financial Security of Your FamilyIn the unfortunate event of loss of life, it protects your family’s financial future by paying your dependent a guaranteed death benefit. The proceeds can ease your family’s financial burden, giving you peace of mind.Protection against Total and Permanent Disability (TPD)In the event of TPD before age 60, it pays you the sum assured. You can use the proceeds to take care of medical costs or settle outstanding financial commitments.Who is Eligible?You can be insured with Super Wealth Plan if you are between 0 (30 days) and 65 years old.Looking to Enhance Your Coverage?Because we understand your need for flexibility, we have given you the option to tailor the plan to suit your particular lifestyle by making a whole range of riders available – just for you!

MAA - Super Fortune Plan

2009-04-06T23:55:00.000-07:00

Super Fortune Plan
Description
MAA’s Super Fortune Plan guarantees you:
•
Annual Cash Payment
•
Lump Sum Cash at Maturity
•
Flexible premium payment term
•
Death & Total Permanent Disability Coverage
Great Savings plus+ Protection Life is beautiful, life is fun and life is full of excitement. Life needs to be enjoyed without worrying anything beyond your control. Have a peace of mind for your children’s education fund, overseas vacation, wealth accumulation & retirement planning. MAA’s Super Fortune Plan is here to assist you to achieve all these wonderful things in life. Create your fortune now!
What is Super Fortune Plan? MAA’s Super Fortune Plan is a 6, 10, 15, 20 limited pay endowment plan which matures at age 50 to 80 depending on entry ages. It provides Guaranteed Annual Cash Payment (GACP) starting from the end of the 10th policy year. Upon maturity, 120% of the original sum assured will be payable.
Who is this plan for? This plan is available for individuals aged 10 – 55 years old who:
•
Need a plan which combines savings and protection.
•
Need the flexibility in choosing the premium payment term.
•
Need guaranteed Annual Cash Payments, Lump Sum Cash at Maturity and great protection coverage.
Benefits
Guaranteed Annual Cash Payment (GACP)Super Fortune Plan provides you with a GACP of 4% of the basic sum assured from end of the 10th policy year onwards. For entry age 21 – 55 , the GACP is 6% from end of 20 years onwards.
Entry Age
Maturity Age
End of Policy Year
GACP (% of basic sum assured)
10 – 20
50
10th year onwards
4%
21 – 30
60
10th – 19th20th onwards
4%6%
31 – 40
70
41 - 55
80
You have the option to take the cash or leave it with the company to be accumulated with interest*.Currently at 4.5% and subject to review from time to time.
Guaranteed Lump Sum Cash at Maturity Get 120% of the basic sum assured when your Super Fortune Plan matures.
Flexible premium payment term You choose the payment term that you are most comfortable with. Super Fortune Plan offers 6, 10, 15 & 20 years payment term to suit your financial capability.
Death & Total Permanent Disability (TPD) coverage In the event of TPD before age 60 or Death at any time during the policy duration, you or your loved ones will receive 100% of the sum assured.
Additional protection benefits Enhance your basic cover by attaching additional benefits (riders). We have a whole range of riders for you to choose from.
Guaranteed Premium With Super Fortune Plan, basic premiums are payable and guaranteed to remain unchanged throughout the policy years. You have the flexibility to pay the premiums monthly, quarterly, semi annually or annually.
1
Death from suicide within one (1) year from issue date or date of reinstatement, whichever is later, whether the insured is sane or insane, shall limit the Company’s liability to the return of premiums paid without interest, less any indebtedness and the policy shall be terminated.
2
This plan excludes any disability caused directly or indirectly, wholly or partly, by any of the following occurrences:
i.
Self-destruction or any attempt thereat while sane or insane.
ii.
Military or naval service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order.
iii.
Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.
More about MAA Super Fortune Plan
1. What is the minimum and maximum sum assured for this plan? The minimum sum assured is RM25,000; maximum sum assured is subject to underwriting approval.
2. Can a policyholder change from one plan to another plan, e.g. 6 years to 20 years during the policy term? No.

Public Mutual’s new fund to focus on investing in 30 selected stocks

2009-04-06T23:52:00.000-07:00

Public Bank’s wholly-owned subsidiary, Public Mutual is launching a new fund, Public Select Alpha-30 Fund (PSA30) on 7 April 2009. The fund invests up to 30 high quality stocks listed primarily on Bursa Securities that have the potential for exponential growth when the investment climate turns favourable.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said PSA30 will take advantage of current weak market conditions which have dampened the share prices of many quality stocks. “With stocks across the board trading at attractive market valuations, there are ample opportunities to pick and choose high quality stocks. Investors just need to buy and hold for the medium- to long-term to realise the full potential of the fund,” he said.
“To achieve increased diversification, the fund may invest in selected foreign markets if the returns are assessed to be promising,” he said. The selected foreign markets include Singapore, Taiwan, South Korea, Japan, Australia, New Zealand, Hong Kong, China, Thailand, Indonesia, Philippines and other markets. The equity exposure of PSA30 will generally range from 75% to 95% of its net asset value (NAV).
Tan Sri Teh also explained that as PSA30 concentrates on investing in a maximum of 30 stocks listed primarily on Bursa Securities, the fund is suitable for aggressive investors who can withstand extended periods of market volatility in pursuit of attractive long-term capital growth.
The initial issue price of PSA30 is at RM0.2500 per unit during the 21-day initial offer period from 7 April 2009 to 27 April 2009. During the offer period, a special promotional service charge of 5% of initial issue price per unit is extended to the purchase of units of PSA30 by investors. Investors who opt for Direct Debit Instruction with PSA30 during the offer period will enjoy a special promotional service charge of 5.25% of NAV per unit for as long as the Direct Debit is active. Terms and conditions apply. The minimum initial investment for the fund is RM1,000 and the minimum additional investment is RM100.
PSA30 is distributed by Public Mutual’s unit trust consultants. Interested investors can contact any Public Mutual unit trust consultant or call its Customer Service Hotline at 03-6207 5000 for more details of the fund.
Public Mutual is Malaysia’s largest private unit trust company with 68 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 28 February 2009, the total net asset value of the funds managed by the company was RM23.5 billion.

Public Mutual swept 7 awards, including Best Overall Group Award

2009-02-18T04:15:00.000-08:00

Public Mutual swept 7 awards, including Best Overall Group Award

Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow (right) receiving the prestigious Best Overall Group award from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 (left).
Public Bank’s wholly-owned subsidiary, Public Mutual emerged for the sixth consecutive year as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009 by winning 7 of the 24 awards, including the prestigious “Best Overall Group” award.
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow expressed pride that once again Public Mutual emerged as the biggest winner at The Edge-Lipper Malaysia Fund Awards 2009. “These awards reflect Public Mutual's commitment to do its utmost to give value to our investors,” he said. He dedicated these awards to Public Mutual’s board of directors, management, staff, agency force and the investors for their unwavering support and trust over the years.
Tan Sri Teh and the management team were on stage to receive the awards from YAB Dato' Sri Mohd Najib bin Hj Tun Abdul Razak, Deputy Prime Minister and Minister of Finance 1 during the award presentation ceremony held at the Mandarin Oriental, Kuala Lumpur.
No
Fund / Company
Category
1
PB Growth Fund
Equity Malaysia
5 years
2
Public SmallCap Fund
Equity Malaysia Small and Mid Caps
5 years
3
PB Balanced Fund
Mixed Asset MYR Balanced
5 years
4
Public Islamic Bond Fund
Bond Malaysian Ringgit - Islamic
5 years
5
Public Bond Fund
Bond Malaysian Ringgit
10 years
6
PB Balanced Fund
Mixed Asset MYR Balanced
10 years
7
Public Mutual Berhad
Best Overall Group Award

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 31 December 2008, the total net asset value of the funds managed by the company was RM23.3 billion.

Bangun Pagi(Wake-up in The Morning)

2009-02-11T01:15:00.000-08:00

Consultant A:
Bangun pagi, fikir pasal politik, fikir pasal negara, pikir pasal Menteri Besar, pikir pasal gosip dan bermacam-macam lagi. So, resultnya untuk hari itu ialah PENING = NO SALES = NO MONEY = TAK BOLEH JADI KAYA LE.

Consultant B:
Bangun pagi, ASK.. tengah hari ASK .. petang ASK .. lewat petang ASK .. malam ASK .. lewat malam ASK lagi (yang ni, jawab sendiri) = HAPPY = SALES = MONEY = CEPAT KAYA

Jadi, go & ASK:

1. To become valued customers.
2. To become our downline.

Wassalam

What is SUKUK ?

2009-02-11T01:13:00.000-08:00

Sukuk (Arabic: صكوك‎, plural of صك Sakk, "legal instrument, deed, check") is the Arabic name for a financial certificate but can be seen as an Islamic equivalent of bond. However, fixed income, interest bearing bonds are not permissible in Islam, hence Sukuk are securities that comply with the Islamic law and its investment principles, which prohibits the charging, or paying of interest. Financial assets that comply with the Islamic law can be classified in accordance with their tradability and non-tradability in the secondary markets.
Conservative estimates by the Ten-Year Framework and Strategies suggest that over $700 billion of assets are managed according to Islamic investment principles.[1] Such principles form part of Shari'ah, which is often understood to be ‘Islamic Law’, but it is actually broader than this in that it also encompasses the general body of spiritual and moral obligations and duties in Islam.
Sharia-compliant assets worldwide are worth an estimated $500 billion and have grown at more than 10 per cent per year over the past decade, placing Islamic finance in a global asset class all of its own. In the Gulf and Asia, Standard & Poor's estimates that 20 per cent of banking customers would now spontaneously choose an Islamic financial product over a conventional one with a similar risk-return profile.
With its Arabic terminology and unusual prohibitions, Sukuk financing can be quite mystifying for the outsider. A good analogy is one of ethical or green investing. Here the universe of investable securities is limited by certain criteria based on moral and ethical considerations. Islamic Finance is also a subset of the global market and there is nothing that prevents the conventional investor from participating in the Islamic market.

Be A Unit Trust Consultant (Public Mutual - No.1)

2009-02-07T22:14:00.000-08:00

Why would I want to be a Unit Trust Consultant?
Because YOU deserve to have a well-paid and fulfilling career in an industry that is enjoying explosive growth in Malaysia.

The Malaysian unit trust industry is vastly untapped
The local unit trust industry is a multi-billion Ringgit industry because of its vastly untapped potential. In a period of just 15 years since 1992, the amount managed by private unit trust companies grew from a mere RM400 million to RM71.005 billion! (source: Lipper, 28 January 2008)

The Malaysian Private Unit Trust Industry's Growth Rate from 1992-2007

Great Opportunities to earn unlimited income
According to the Securities Commission, in December 2007, the Malaysian unit trusts boasted 15.32% equity penetration rate*. In comparison to the same period, United Kingdom's equity penetration rate was 41.62%. (source: London Stock Exchange and Investment management Association, UK)

Malaysia unit trust equity penetration rate

In December 1992, the Malaysian unit trusts equity penetration rate was merely 6.40%. This means that Malaysia's rate is low in comparison with more developed countries like the UK and Malaysia's ratio is rising rapidly.
For you, all these translate into plenty of opportunities to earn potentially unlimited income as a un it trust consultant.

Why would I want to join Public Mutual?

Because Public Mutual is the biggest and the best!

No.1** unit trust company in Malaysia

There are 28 private unit trust companies in Malaysia and Public Mutual has the largest market share of 40 percent as at end-December 2007.

Market Share of Private Unit Trust Industry as at 31 December 2007

So, what's in it for me?
Unit trust consultants of Public Mutual enjoy great benefits. Amongst them are:
Highly competitive incentive structure and benefits programme in the industry.
The potential to earn unlimited income.
Flexible working hours.
Overseas trips, awards and public recognition.
A wide range of financial planning and professional sales tools.
Sales incentives and campaigns to support your sales effort.
Subsidised Certified Financial Planner (CFP®) certification course and diverse training programmes.
Numerous recruitment incentives and subsidies for agency building.
And much, much more...
Public Mutual's Sales and Financial Planning tools are among the best in the industry

Now What?
If you would like to learn more, immediately contact our branches and speak to the manager.

Take hold of this opportunity NOW if you seriously crave to enhance your personal and professional life.

* The equity penetration rate can be defined as the combined value of all assets managed by a country's unit trust industry DIVIDED by its total equity market capitalization** Amongst private unit trust companies in terms of total fund size managed. Source:The Edge-Lipper, 21 January 2008.

Bursa Malaysia ditutup lebih tinggi - Utusan Malaysia 06th February 2009

2009-02-07T22:08:00.000-08:00

KUALA LUMPUR 6 Feb - Harga saham di Bursa Malaysia memperlihatkan peningkatan pada penutupan dagangan hari ini, sejajar dengan aliran meningkat dalam pasaran-pasaran serantau didorong oleh kenaikan di Wall Street semalaman, kata peniaga.
Penanda aras Indeks Komposit Kuala Lumpur (KLCI) ditutup 16.69 mata lebih tinggi pada 896.64 berikutan kenaikan di kaunter-kaunter berkaitan perladangan dan perbankan. Ia dibuka 5.17 mata lebih tinggi pada 885.12.
Saham Hong Kong naik tiga peratus, Indeks Harga Saham Komposit Korea meningkat 2.75 peratus kepada 1,210.26 mata, iaitu paras penutupan tertinggi sejak 7 Januari, manakala Nikkei Jepun mengukuh 1.6 peratus.
Dalam pasaran tempatan, pengumuman “bajet mini” oleh Timbalan Perdana Menteri Datuk Seri Najib Tun Razak juga meningkatkan sentimen pasaran.
Indeks Perusahaan naik 42.69 mata kepada 2,107.10, Indeks Kewangan meningkat 141.57 mata kepada 7,124.64 dan Indeks Perladangan menambah 150.93 mata kepada 4,549.51.
FBMEmas 111.75 mata lebih tinggi pada 5,871.13, FBM30 naik 119.77 mata kepada 5,794.02, FBMMesdaq turun 20.13 mata kepada 3,375.45 dan FBM2BRD meningkat 18.29 mata kepada 3,925.11.
Saham untung mengatasi saham rugi dengan jumlah 322 berbanding 156, manakala 195 kaunter tidak berubah, 584 tidak diniagakan dan 33 yang lain digantung urus niaga.
Jumlah dagangan bertambah kepada 397.698 juta saham bernilai RM664.159 juta daripada 315.914 juta saham bernilai RM466.514 juta semalam. Bagi saham berwajaran tinggi, Sime Darby meningkat 20 sen kepada RM5.60, Maybank naik lima sen kepada RM5.45 dan Tenaga kekal pada RM5.75. Jumlah dagangan di Papan Utama bertambah kepada 332.425 juta saham bernilai RM648.070 juta daripada 238.491 juta saham bernilai RM455.383 juta semalam.
Di Papan Kedua jumlah dagangan meningkat kepada 30.006 juta saham bernilai RM8.118 juta daripada 16.664 juta saham bernilai RM4.146 juta.
Pasaran Mesdaq mencatatkan pertambahan jumlah dagangan kepada 20.599 juta saham bernilai RM6.255 juta daripada 15.332 juta saham bernilai RM4.404 juta.
Waran, bagaimanapun, susut jumlahnya kepada 13.250 juta saham bernilai RM1.186 juta daripada 44.718 juta saham bernilai RM2.241 juta sebelumnya.
Berdasarkan sektor, barangan pengguna menguasai 5.297 juta saham yang diniagakan di Papan Utama, barangan perusahaan 50.740 juta, pembinaan 34.867 juta, perdagangan/perkhidmatan 114.639 juta, teknologi 4.658 juta, prasarana 12.943 juta, kewangan 29.658 juta, hotel 3.406 juta, harta 50.941 juta, perladangan 23.696 juta, perlombongan tiada, REIT 1.535 juta dan dana tertutup 44,900. - Bernama

ML207 - Sediakan Payung Sebelum Hujan Yang Lebat

2009-02-01T23:38:00.001-08:00

All you want to know about the..... MedicaLife 207
Don't let the rising medical costs bring you down
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.
MedicaLife 207 prepares you for these costly expenses and ensures comprehensive coverage in medical, surgical and hospital costs, ambulance fees and other related medical charges.
MedicaLife 207 also provides protection against accident and death. All policyholders of MedicaLife 207 will be enrolled as members of a MCO (Manage Care Organisation).
One of the MCO roles is to facilitate your convenient admission to and discharge from participating hospitals. MedicaLife 207 offers you a way to be free of the usual hassle in claims procedures through the issuance of a Medical Card. Use this Medical Card for immediate hospital admission and on discharge, you only need to settle the amount for co-insurance (if applicable only) and excess charges, if any.

Public Mutual declares distributions for 3 funds

2009-02-01T23:28:00.000-08:00

Public Mutual declares distributions for 3 funds

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for three of its funds. The total gross distributions declared are for financial year ended 31 December 2008:
Fund
Gross Distribution / Unit
Public Savings Fund
7.50 sen
Public Focus Select Fund
1.25 sen
Public Islamic Enhanced Bond Fund
1.75 sen
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said Public Savings Fund which was launched in 1981, is our maiden fund. “Public Savings Fund aims to achieve long-term capital appreciation while at the same time producing a reasonable level of income,” he added.

Meanwhile, Public Focus Select Fund which was launched in 2004, aims to achieve capital growth through investments in medium-sized companies in term of market capitalisation from diversified economic sectors.

As for Public Islamic Enhanced Bond Fund, it was launched in 2006 with the aim of providing a combination of annual income and modest capital growth primarily through a portfolio allocation across Islamic debt securities and equities that comply with Shariah requirements.

Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000 unit trust consultants. As at 28 November 2008, the total net asset value of the funds managed by the company was RM21.9 billion.

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Apa Dah Jadi Dengan Umat Islam ? Kenapa Kita Masih Kurang Sedar ?

2008-12-30T19:32:00.000-08:00

Israel pertimbangkan cadangan gencatan senjata - Utusan Malaysia
31/12/2008 11:01am
BANDAR GAZA 31 Dis. – Israel hari ini mempertimbangkan cadangan gencatan senjata 48 jam ketika pemimpin dunia mendesak negara Yahudi itu menamatkan serangan dan bedilan jet pejuang ke atas Genting Gaza.
Jurucakap Menteri Pertahanan Israel, Ehud Barak berkata, beliau menunjukkan minat terhadap usul gencatan senjata sementara namun menekankan ini tidak bermakna ia dapat menghalang Israel dari kemungkinan menggunakan tentera darat.
Pegawai Israel memberi amaran bahawa tindakan ketenteraan yang setakat ini telah meragut 374 nyawa akan berterusan berminggu-minggu ketika serangan udara dan bedilan artileri masuk hari kelima.
Pejuang Hamas terus melancarkan roket semalam dan mengancam untuk meningkatkan serangan ke atas Israel.
“Kami ingin mengkhabarkan kepada pemimpin musuh, sekiranya kamu meneruskan serangan maka kami akan melancarkan serangan roket yang lebih jauh berbanding sebelum ini,” kata jurucakap sayap tentera Hamas, Briged Ezzedine al-Qassam, yang mengenakan topeng ketika membuat ulasan di televisyen.
Perdana Menteri Israel, Ehud Olmert petang semalam berbincang dengan Barak dan Menteri Luar, Tzipi Livni mengenai cadangan Perancis untuk gencatan senjata 48 jam, namun pejabat Olmert menyatakan bahawa beliau telah mengeluarkan arahan agar perincian mesyuarat tidak didedahkan. – AFP

Public Mutual declares distributions for 2 funds

2008-12-30T19:30:00.000-08:00

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for two of its funds. The total gross distributions declared are for financial year ended 30 November 2008:
Fund
Gross Distribution / Unit
Public Islamic Balanced Fund
1.00 sen
Public Far-East Dividend Fund
0.35 sen
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow commented that Public Mutual is pleased to be able to continue to declare distributions on its funds despite a very challenging market condition. “Public Islamic Balanced Fund and Public Far-East Dividend Fund have consistently declared annual distributions since their launch in 2005 and 2006 respectively.” he added.
Public Mutual is Malaysia’s largest private unit trust company with 67 funds under management. It has over 2,000,000 accountholders serviced by over 40,000-strong unit trust consultants. As at 31 October 2008, the total net asset value of the funds managed by the company was RM21.5 billion.

Do You KNow ?

2008-12-07T05:46:00.000-08:00

* Do You Know that Total Private Net Asset Value (NAV) at amount of RM$66,949 millions ?

* Do You Know that Investors keep on increasing from Day-To-Day to buy secured
investment ?

* Do You Know that we Malaysian got a lot of surplus money & yet to invest in secured
investment tools ?

* Do You Know that we Malaysian still beleive in "Skim Cepat Kaya" because of fastest
return ?

* Do You Know that PUBLIC MUTUAL is still No.1 (leader of the private unit trust company)
controlling at approximately 39% from the total market. The No. 2 rival controlling at
approximately 13.5% from the total market ?
+ Public Mutual 39%
+ Aminvestment 13.5%
+ CIMB Group 12.2%
+ Prudential 5.4%
+ Hwang-DBS 5.4%
+ OSK 5.3%
+ HLG 3.6%
+ ING 3.2%
+ Pacific Mutual 2.6%
+ MAAKL 1.9%

Do You Know that YOU SUPPOSE TO GO FOR NO.1 ???? OH YESSS !!!!

Happy Invest

Jenis Haji ; Tahukah Anda ??

2008-12-02T23:07:00.000-08:00

1. Haji Ifrat
Mengerjakan Haji dahulu dalam bulan-bulan Haji kemudian mengerjakan Umrah.

2. Haji Tamattu'
Mengerjakan Umrah dahulu dalam bulan-bulan Haji kemudian mengerjakan Haji di tahun
yang sama.

3. Haji Qiran
Berniat mengerjakan Haji dan Umrah serentak dalam bulan-bulan Haji dengan mengerjakan
amalan-amalan Haji sahaja.

Wassalam .....

Lelaki Liat ????

2008-12-02T22:56:00.000-08:00

Lelaki liat jumpa doktor : Utusan Malaysia 03rd December 2008
Oleh NOOR FAZRINA KAMAL
Golongan lelaki harus bersikap lebih terbuka dalam melakukan pemeriksaan rutin kesihatan. – Gambar hiasan
PETIKAN ucapan Ketua Setiausaha Kementerian Pembangunan Wanita, Keluarga dan Masyarakat (KPWKM), Datuk Faizah Mohd. Tahir ketika merasmikan Simposium Kesihatan Lelaki-Keprihatinan Dunia di Institut Sosial Malaysia, Kuala Lumpur baru-baru ini, menarik perhatian sebahagian besar peserta yang hadir.
Ramai yang tersenyum simpul bagai mengakui kebenarannya apabila beliau menyatakan lelaki hanya akan pergi berjumpa doktor sekiranya ditemani pasangan mereka, itupun setelah dipujuk dan dipaksa beberapa kali.
Walaupun ia satu senario biasa dan dianggap normal oleh kebanyakan lelaki, persepsi tersebut haruslah diubah kerana kesihatan lelaki kini menjadi agenda penting dalam pembangunan sesebuah negara.
Atas keprihatinan untuk mengubah situasi itu, Persatuan Endrologi dan Kajian mengenai Penuaan Lelaki Malaysia (MSASAM) telah mengadakan kajian tentang kesihatan lelaki di bandar.
Kajian membabitkan responden lelaki di sekitar kawasan Subang dan Kelana Jaya, Selangor. Dua kawasan ini telah dipilih bagi mewakili keseluruhan lelaki yang bekerja, mempunyai kedudukan ekonomi yang baik serta menjalani kehidupan sosial yang seimbang.
Kajian yang dibiayai sepenuhnya oleh KPWKM ini telah diketuai Datuk Profesor Tan Hui Meng, dari MSASAM serta beberapa doktor dari Pusat Perubatan Universiti Malaya (PPUM), Kuala Lumpur.
Hasil kajian, yang telah menemukan beberapa fakta mengejutkan mengenai kesihatan lelaki, telah dibentangkan pada simposium tersebut oleh Dr. Ng Chirk Jenn, mewakili Malaysian Men's Health Initiative.
Antaranya, kajian mendapati 77 peratus daripada 1,046 responden yang berusia 40 tahun ke atas mengalami masalah berat badan atau obesiti.
Selain itu, 59.4 peratus responden yang boleh dianggap mewakili lelaki di bandar mengalami kegagalan ereksi, 48 peratus mengalami tekanan darah tinggi, diabetis mellitus (28.5 peratus), masalah jantung (12 peratus) dan masalah prostat (30 peratus).
Menurut Chirk Jenn, kesemua responden dipilih secara rawak daripada senarai calon mengundi tahun 2004 membabitkan lelaki Cina 48 peratus, 34 peratus Melayu (34 peratus) dan India (15 peratus), pada purata umur 56 tahun.
Kajian tersebut telah dijalankan menggunakan teknik kaji selidik, penilaian oleh para doktor terlatih dan ujian darah di makmal.
“Kami telah memulakan kajian ini sejak 2003 dengan objektif untuk melihat sejauh mana tahap kesihatan lelaki moden di Malaysia.
“Kajian ini juga meliputi pandangan lelaki tentang kesihatan mereka dan apa yang mereka lakukan tentangnya,” jelasnya.
Beliau menjelaskan lagi, penyakit yang banyak menyerang golongan lelaki di bandar terbahagi kepada dua kategori iaitu melibatkan sistem kardiovaskular seperti, obesiti, diabetis, tekanan darah serta kolesterol tinggi, merokok dan ketagihan arak.
“Kategori kedua pula ialah melibatkan kesihatan lazim lelaki seperti kegagalan ereksi, masalah berkaitan prostat serta penurunan kadar hormon testosteron lelaki,” tambah beliau.
Temuduga dengan beberapa responden juga turut menemukan fakta menarik yang boleh dikongsi bersama.
Antaranya, pendapat seorang warga emas berusia 59 tahun yang menyatakan kebanyakan lelaki muda hanya akan bekerja dan terus bekerja untuk mendapatkan kekayaan dan apabila tua kelak, mereka akan menggunakan kekayaan itu untuk 'membeli kesihatan.
“Daripada kenyataan lelaki ini kami merumuskan bahawa keutamaan lelaki berubah mengikut masa. Pada awal pembabitan lelaki dalam karier, kekayaan, keseronokan dan keluarga adalah fokus utama mereka.
“Kesihatan mereka hanya akan menjadi isu utama apabila mereka telah berhadapan dengan masalah tersebut," jelasnya.
Kajian tersebut turut menemukan beberapa pendapat yang agak melucukan namun perlu diberi perhatian serius.
Seorang lelaki mendakwa bahawa dia hanya akan berjumpa doktor sekiranya beliau benar-benar sakit, manakala seorang lelaki lain pula mendakwa hanya akan berjumpa doktor setelah isterinya membebel panjang.
“Kesimpulan daripada dua kes di atas ialah pasangan memainkan peranan utama mempengaruhi lelaki untuk mendapatkan pertolongan kepada masalah kesihatan mereka.
“Ada juga responden yang mengharapkan wujudnya satu garis panduan pemeriksaan rutin kesihatan lelaki sebagaimana servis yang dilakukan terhadap kenderaan kesayangan mereka,” katanya.
Daripada kajian tersebut Chirk Jenn dan pasukannya turut mendapati bahawa lelaki inginkan lebih banyak maklumat tentang kesihatan mereka.
Mereka juga mahu agar pihak berkuasa dan pengamal perubatan mempunyai inisiatif dalam melakukan rawatan dan pemeriksaan terhadap pesakit lelaki.
“Sikap para doktor yang merawat pesakit lelaki juga perlu diubah dan lebih prihatin kerana situasi di mana doktor hanya bertanya tentang apa penyakit mereka sering berlaku di mana-mana pusat kesihatan,” jelas Ng.
Untuk tidak membiarkan kajian tersebut berlalu begitu sahaja, KPWKM dan MSASAM telah menerbitkan buku yang mencatatkan secara terperinci tentang kajian yang dilakukan oleh MSASAM. Buku bertajuk Stay Healthy-Your Choice dan About Men's Health juga mengandungi saranan pengamal perubatan mengenai masalah kesihatan lelaki.

Be A Unit Trust Consultants

2008-11-30T19:11:00.000-08:00

Why would I want to be a Unit Trust Consultant?
Because YOU deserve to have a well-paid and fulfilling career in an industry that is enjoying explosive growth in Malaysia.

*** But for me, what other business that can offer little capital with very low risk on the risks ? Its Unit Trust or any related Financial Planning fields such as Insurance Consultant.*** Ahmad Shah

The Malaysian unit trust industry is vastly untapped
The local unit trust industry is a multi-billion Ringgit industry because of its vastly untapped potential. In a period of just 15 years since 1992, the amount managed by private unit trust companies grew from a mere RM400 million to RM71.005 billion! (source: Lipper, 28 January 2008)

The Malaysian Private Unit Trust Industry's Growth Rate from 1992-2007

Great Opportunities to earn unlimited income
According to the Securities Commission, in December 2007, the Malaysian unit trusts boasted 15.32% equity penetration rate*. In comparison to the same period, United Kingdom's equity penetration rate was 41.62%. (source: London Stock Exchange and Investment management Association, UK)

Malaysia unit trust equity penetration rate

In December 1992, the Malaysian unit trusts equity penetration rate was merely 6.40%. This means that Malaysia's rate is low in comparison with more developed countries like the UK and Malaysia's ratio is rising rapidly.
For you, all these translate into plenty of opportunities to earn potentially unlimited income as a un it trust consultant.

Why would I want to join Public Mutual?
Because Public Mutual is the biggest and the best!

No.1** unit trust company in Malaysia

There are 28 private unit trust companies in Malaysia and Public Mutual has the largest market share of 40 percent as at end-December 2007.

Market Share of Private Unit Trust Industry as at 31 December 2007

So, what's in it for me?
Unit trust consultants of Public Mutual enjoy great benefits. Amongst them are:
Highly competitive incentive structure and benefits programme in the industry.
The potential to earn unlimited income.
Flexible working hours.
Overseas trips, awards and public recognition.
A wide range of financial planning and professional sales tools.
Sales incentives and campaigns to support your sales effort.
Subsidised Certified Financial Planner (CFP®) certification course and diverse training programmes.
Numerous recruitment incentives and subsidies for agency building.
And much, much more...
Public Mutual's Sales and Financial Planning tools are among the best in the industry

Latest from MAA ASSURANCE - MCGP SWING-06 (Maaster Capital Guaranteed Plan Swing-06)

2008-08-14T21:16:00.000-07:00

Hi All Valued Customers,

Dont Miss this Plan .... lets invest for the period of 4 years.

* Non Medical Check-up required.
* Extra Coverage of Takaful upto 25% for the investment value.
* Money Back Guaranteed after maturity date (4 years).
* Minimum investment RM$10,000.00.
* Estimation Return per annum: Min = 7%, Max = 17%, Average = 12%
* Syariah Ways / Islamic & Halal.
* To cover inflation rates.

Remain Calm Through Market Turbulence

2008-07-22T23:49:00.000-07:00

In the wake of the turbulence of stock markets in recent months, unit trust investors may be tempted to either sell or buy. However, investors are advised to remain calm and practise dollar cost averaging with their long-term goals in view.
When regional and global markets succumbed to panic selling in August 2007 and more recently in January 2008, the severity and sharpness of the correction was large enough to make unit trust investors ask themselves whether they should redeem now to stem further losses or buy more units at currently low prices. In fact, if they practise dollar cost averaging, they need not concern themselves with these timing issues. Dollar cost averaging enables investors to automatically buy more units when prices fall and fewer units when prices rise.
It is especially during times of market volatility that individual investors should remain focused on their long-term investment goals and keep their emotions from influencing their investment decisions. A disciplined and methodical approach to investing is the key to long-term investment success.
Unit trust investors are advised to buy and hold their investments for the medium to long term. The buy-and-hold principle is based on the notion that a good investment will generate reasonably attractive returns over the medium to long term. This also means that investors are able to distinguish between daily movements in the market and the underlying long-term value of their investments. Professional fund managers buy and hold for the medium to long term as they are prepared to wait patiently over several years for their investments to reach their intrinsic or fair values. For the unit trust investor, the 'buy-and-hold' strategy can also be applied by holding on to a well-selected unit trust fund over a period of at least three years.
There are some investors who believe they can achieve superior returns by timing the purchase and redemption of equity funds to profit from the stockmarket's short-term movements. These investors are tempted to engage in timing the market especially in an environment where equity markets are volatile. Such investors who wish to make quick gains in the stock market by switching from one fund into another fund will often be disappointed. Market timing strategies that are often recommended by 'investment experts' have seldom been successful. This is because stock markets are inherently volatile and are impossible to predict with numerous factors, both domestic and foreign, affecting daily and weekly fluctuations in stock prices.
Investors who wish to take a more active approach with their investments by timing the market will expose themselves to many risks. In order to profit from the market's short-term trends, the investor has to correctly predict the market's trend and its turning points.
Without the appropriate skills to discern signals and time the entries and exits, the market timer may not only miss opportunities, but also potentially suffer the blow of rapid losses. Also with a higher frequency of fund switching, investors will have to incur increased transaction costs.
Investors who are concerned about market volatility are advised to practise dollar cost averaging as this strategy enables investors to focus on the long-term investment goal and not worry about the prevailing level of the market. Dollar cost averaging is simply investing a fixed amount of money in a financial asset (such as a unit trust fund) on a regular basis (monthly, quarterly, biannual) regardless of the market cycle. By investing a fixed amount on a regular basis, investors will buy more units when the market is lower and fewer units when the market is higher. This strategy will produce a lower average cost of investment than the average market price over any given period.
In addition, investors are also advised to rebalance their portfolios regularly at least once a year to ensure that their portfolio allocation reflects their investment objectives and risk profile. Thus if, as a result of an uptrend in stock prices, an investor's equity exposure has exceeded a level consistent with his risk tolerance, he can trim a portion of the equity funds and switch into bond or money market funds to rebalance the asset allocation accordingly. Maintaining a target asset allocation reduces the risk that the portfolio becomes too concentrated in a single asset class.
In conclusion, unit trust investors should always focus on achieving their medium to long-term investment goals. The practice of dollar cost averaging and regular portfolio rebalancing are effective tools that help investors remain focused on the long term horizon and prevent them from over-reacting to short-term movements of the stockmarket.

2008-06-10T20:37:00.001-07:00

The importance of life insurance

2007-12-16T23:38:00.000-08:00

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

2007-12-16T23:34:00.000-08:00

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.

Public Mutual Won the Most Outstanding Islamic Fund Manager Award

2007-12-16T23:25:00.000-08:00

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.

Why you need a Medical Card - ML207

2007-08-15T01:42:00.000-07:00

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).

SC sekat laman web pelaburan Internet tidak sah mulai 11 Jun

2007-05-31T19:08:00.000-07:00

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.

What Warren Buffet (The Second Richest Man Worldwide) Says ???

2007-05-28T19:09:00.000-07:00

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."

Cabaran Kita

2007-05-05T20:54:00.000-07:00

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

New Venture & Expension of Business .. Emmmm ... smell good

2007-05-05T11:14:00.000-07:00

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.

ABOUT NSP

2007-05-04T23:34:00.000-07:00

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

Roadtax & Insurance Renewal ??? We can assist you

2007-05-04T23:05:00.000-07:00

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

Why you need Insurance & Saving ???

2007-04-30T23:17:00.000-07:00

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

Welcome to NSP2U - Total Financial Planner !!!!

2007-04-25T23:27:00.000-07:00

Under construction ... will come back soon !!!