Tips Memilih Insurance Terbaik

Insurance agent – sometimes can be the most irritating person – hate that.

Ok.. ketepikan insurance agent.

I want to focus on insurance itself.

Insurance is important to be used pasa masa-masa yang tertentu/genting yang berkaitan dengan kesihatan; hospitality, disease. Nak harapkan duit simpanan, boleh. But cukup ke untuk rawatan susulan? bil-bil hospital? rawatan pakar? this is the purpose untuk subscribe insurance. TO help us masa sakit.

Due to that, we should save some portions from our income to pay our insurance policy. What types of policies are available out there? Which types of policy you’ve subscribed? Until when?

Life/Death? Medical/hospitality? Critical disease? Personal Accident?

Less we pay, less coverage. We have to find something in the middle and we can afford!

That is the key. The monthly contribution should be not too much until we cannot afford to eat, and not too less until we cannot claim anything except death – sad!

I have made some readings and observations regarding insurance. The concept is really clear. To help the person when they are in trouble (based on the coverage).

Most of Malays did not trust an insurance company. Why? Because they saw many people (friends/family) dah jadi mangsa insurance agent – look the word here, AGENT.

Here are some tips before you subscribe for an insurance policy:

1. Make sure you are dealing with an authorized agent from a well established insurance company (not subagent).
2. Make sure the coverage (note the amount) are as follows; death, 36 critical disease, medical (very important), saving investment (return), maximum age.
3. Jangan pilih agent yang sangat2 mendesak. Pilih ikut gerak hati korang - selesa.

Coverage

This is the most sad part. I have meet a few of my friends. Some of them declared themselves as an insurance subscriber.

Case 1: “I just pay RM56 per month” – X. When I take a look at the policy, coverage: death and permanent disability only. To further more, if something happen to X except death, and lost ability (pair), he CANNOT claim anything at all.

Case 2: “I have 2 policies; medical and saving” – Y. What will happen to his medical policy’s contribution? You give me the answer.

Boleh nampak tak? Banyak customer di playing around by these irresponsible insurance agents.

Sebab tu you have to ensure the coverage before you subscribe an insurance policy.

Bukan salah pengguna kalau tak tahu apa2 mengenai insurance sebab they haven’t been explained well/clearly by their agent.

Honestly I feel very sad tengok banyak orang Melayu kene twist dengan orang Melayu sendiri.

As an agent, you patut TOLONG orang. Bukan just nak close the deal and get your commission.

I read, I saw, banyak yang sangat2 tamak.

You chose to be an insurance agent. You really want that job because of the job environment and responsibility, or you just want that job because of the commission? It is fine for you to get the commission if you’ve done your job very well. Tapi kalau you explain tak clear, you keep on saying “boleh boleh boleh” for everything termasuk yg tak boleh, you rasa dah wat keje yg betul?

I am not getting emotional here. But I am very sick with some of the agents yang macam buaya. Cari mangsa untuk close the deal and left them lepas dapat commission. Because of these kind of people lah yang buat banyak orang benci agent insurance.

Ada banyak pilihan; insurance issued from bank, Prudential BSN, Etiqa, Great Eastern, ING, MNI… banyak lah!

For me personally and based on my experience, I prefer and already subscribed to Great Eastern Takaful. I chose it because of the product, and the agent.

To all readers, buat la pilihan yang terbaik untuk insurance. Subscribe seawal mungkin sebab mana2 insurance tak akan cover untuk penyakit sedia ada.

Kesan Suntikan Vitamin C

Article pasal suntikan vitamin C

"
KUALA LUMPUR: Wanita yang ghairah untuk kelihatan muda dengan mengambil suntikan cecair vitamin C di pusat kecantikan kemungkinan terdedah kepada penyakit batu karang dan alahan yang serius. 
Ini kerana vitamin C dalam bentuk cecair tidak pernah didaftarkan dengan Jabatan Farmasi, Kementerian Kesihatan, walaupun penggunaannya dikatakan semakin menular berikutan permintaan tinggi di kalangan wanita untuk sentiasa kelihatan muda. 
Setakat ini, kementerian tidak pernah mendaftarkan mana-mana cecair vitamin C daripada syarikat pengimport atau pengedar kerana produk berkenaan masih baru di negara ini. 
Apa yang ditakuti, kandungan cecair vitamin C kemungkinan dicampur dengan raksa yang boleh membawa kesan buruk kepada pengguna dalam jangka panjang, termasuk barah. 
Jurucakap Jabatan Farmasi kementerian itu, berkata sepatutnya pengedar atau pengimport mendaftar cecair vitamin C mereka untuk diuji sebelum diberi nombor rujukan membuktikan bebas daripada sebarang kesan sampingan. 
Menurutnya, kebanyakan pengguna tidak mengambil berat mengenai peraturan itu kerana yang penting bagi mereka hanya untuk kelihatan cantik. 
Katanya, kebiasaan jika sesuatu bahan itu menggunakan suntikan, ia dianggap sebagai ubat dan bukan lagi kosmetik. 
“Jika kosmetik untuk kegunaan luaran dan sekiranya menggunakan suntikan ia dikategorikan pula sebagai ubat dan memerlukan pandangan pakar bertauliah sebelum boleh menggunakannya. 
Jurucakap itu berkata, jika berlaku kejadian tidak diingini terhadap pelanggan, pusat kecantikan yang menawarkan perkhidmatan menyuntik cecair vitamin C boleh dikenakan tindakan mengikut Peraturan-peraturan Kawalan Dadah dan Kosmetik 1984 yang tertakluk di bawah Akta Jualan Dadah 1952. 
“Jika sabit kesalahan, pemilik boleh dikenakan denda sehingga RM25,000 atau tiga tahun penjara atau kedua-dua sekali, dan RM50,000 bagi syarikat,” katanya."

Source: http://bincang.net/forum/showthread.php?96527-suntikan-vitamin-c/page2

Walawei... so... nak cantik ke nak sakit? We have some other better options such as facial, spa and live with healthy diet n not to forget, do exercise (at least walking) everyday to maintain keremajaan. Not worth it to sacrifice organ-organ yang tak ternilai harganya dengan hanya kecantikan yang sementara.

Eh.. talking about organ, I feel like to register as penderma organ lah. Anyone know kat mana nak register? Do share with me plz.

Tazkirah: Adab Memotong Kuku dalam Islam

As-salam.. saya jumpa notes ni di Facebook. Sajalah letak di ruangan blog ni untuk panduan peribadi dan untuk dikongsi dengan pengunjung TheThickTalk.

Bilakah hari yang baik untuk memotong kuku?
Isnin atau Khamis atau Jumaat


Ulasan yang selalu didengari:

Hari Sabtu: keluar dari tubuhnya ubat dan masuk kepadanya penyakit
Hari Ahad: Keluar kekayaan masuk kemiskinan
Hari Isnin: keluar daripadanya gila dan masuk sihat

Hari selasa: keluar daripadanya sihat dan masuk penyakit
Hari Rabu: keluar daripadanya was-was dan masuk kepadanya kepapaan
Hari Khamis: keluar daripadanya gila dan masuk kepadanya sembuh dari penyakitHari Jumaat: keluar daripadanya dosa-dosanya seperti pada hari dilahirkan oleh ibunya dan masuk kepadanya rahmat daripada Allah Taala

BENARKAH hadis di atas???

"من قلم أظفاره يوم السبت خرج منه الداء ، ودخل فيه الشفاء ، ومن قلم أظفاره يوم الأحد خرجت منه الفاقة ودخل فيه الغنى ، ومن قلم أظفاره يوم الاثنين خرجت منه العلة ودخلت فيه الصحة ، ومن قلم أظفاره يوم الثلاثاء ، خرج منه البرص ، ودخل فيه العافية ، ومن قلم أظفاره يوم الأربعاء خرج منه الوسواس ، والخوف ودخل فيه الأمن والصحة ، ومن قلم أظفاره يوم الخميس خرج منه الجذام ودخل فيه العافية ، ومن قلم أظفاره يوم الجمعة دخل فيه الرحمة ، وخرج منه الذنوب

Maksudnya: “Sesiapa yang memotong kukunya pada hari sabtu, keluar darinya penyakit dan masuk ke dalamnya penyembuhan, sesiapa yang mengerat kukunya pada hari ahad, keluar daripadanya kefakiran dan masuk ke dalamnya kekayaan, sesiapa yang mengerat kukunya pada hari isnin, keluar daripadanya penyakit dan masuk kepadanya kesihatan, sesiapa yang mengerat kuku pada hari selasa, keluar daripadanya al-Baros dan masuk ke dalamnya al-’Afiah, sesiapa yang mengerat kukunya pada hari rabu, keluar daripadanya was-was dan ketakutan dan masuk ke dalamnya keamanan dan kesihatan, sesiapa yang mengerat kukunya pada hari khamis, keluar daripadanya al-Jadam dan masuk kepadanya al-’Afiah dan siapa yang mengerat kukunya pada hari jumaat, masuk kepadanya rahmat dan keluar daripadanya dosa-dosa.”

Darjat Hadith

1. PALSU (al-Maudhuaat, Ibn Jauzi, 3/226)2. PALSU, di dalam sanadnya ada para pemalsu hadith dan rawi-rawi yang majhul (al-Fawa-id al-Majmu’ah, oleh al-Syaukani. m.s. 197)3. Di dalam sanadnya ada Nuh bin Abi Maryam yang ditohmah dengan pendustaan (Tartib al-Maudhuaat) – Sila lihat takhrij hadith dari laman dorar.net. 

(Sumber: Ustaz Mohamed bin ishak Jabatan Mufti Pulau Pinang)"

copied from: 

http://www.facebook.com/notes/ad-lin/hadis-palsu-ttg-adab-potong-kuku/257883890935010

http://fitrahislami.wordpress.com/category/ibadah/

Bagaimana hendak memotong kuku?

Mulakan memotong/mengetip kuku dari jari kelingking sebelah kanan berturutan sehingga diakhiri dengan jari kelingking sebelah kiri. Ini hanyalah adab memulakan pekerjaan dari sebelah kanan dahulu.

Selamat beramal.

Info Pemakanan: Krimer (Creamer) dalam Minuman

We always put some creamer into our drink to replace the use of milk. Even for common 3in1 drinks, one of the major ingredients is creamer. Do you ever think about what is creamer? Flour? Powder milk?

There are 2 types of creamer: dairy and non-dairy.

Dairy creamer (Krimer berasaskan tenusu)

Based on milk source (lactose)

Non-Dairy creamer (Krimer tanpa tenusu)

This type of creamer is an alternative way for lactose intolerant individual to taste creamy drinks. But this kind of creamer is made by many artificial ingredients. Berikut adalah bahan2 yang selalunya terkandung dalam non-dairy creamer; Pepejal Sirap Glukosa, Lemak Sayuran (trans fat), Natrium Kaseinat (casein protein), Pengemulsi, Penstabil dan Natrium Silikoaluminat.

Many non-dairy creamers contain partially hydrogenated vegetable oils, a type of trans fat. Trans fats are more solid than oil, increasing product shelf-life (Read more: http://www.livestrong.com/article/273290-nutritional-information-for-non-dairy-creamer/#ixzz1D5Lat6Et). Example: Minyak isirung kelapa sawit. Kebanyakan minuman segera (instant) di Malaysia ni menggunakan minyak isirung sebagai non-dairy creamer.

 

Apakah isirung kelapa sawit?

Isirung adalah biji tunggal pada buah kelapa sawit. Bahagian ini kaya dengan minyak.

 

Adakah minyak isirung selamat dimakan?

Menurut seorang Dr. yang bekerja di fakulti yang berkaitan dengan pemakanan di salah sebuah IPT di Selangor, non dairy creamer adalah selamat untuk dimakan. Ianya dibuat daripada lemak palm kernel oil untuk mendapat rasa yang smooth. “Of course using low fat or skim milk adalah lebih berkhasiat dicampur dgn kopi or tea with less sugar. 3 in 1 also may have higher calories. So practise moderation and try not to eat too often”, tambah beliau.

Don’t get shock to know that some of non-dairy creamer may also contain casein protein (primary protein that is found in dairy products. Read more: Side Effects of Casein Protein | eHow.com http://www.ehow.com/about_5485878_side-effects-casein-protein.html#ixzz1D5K9MuNM) – to well bind the ingredient together.

Tips:

Bacalah label sebelum beli. Jika they only provides “non-dairy creamer” pada ingredient, ia berkemungkinan mengandungi semua/mana2 bahan2 yang disebutkan di atas. Kadang kala pengusaha akan melabel secara detail mengenai bahan2 non-dairy creamer ni.

 

Source:

Side Effects of Casein Protein

Nutritional Information for Non-Dairy Creamer

Adakah Minuman Herba Campuran 5 Dalam 1 Benar-2 Berkhasiat?

Wikipedia: Kelapa sawit

Bye-Bye-FEVER

Yesterday when I was dealing with some program error suddenly my body feels very hot especially my forehead. I couldn’t think anymore. On my way back, I packed my stuffs and went home. I get myself Bye-Bye-FEVER from the nearest 7-ELEVEN. After I patched this thing at my forehead, I have a very good sleep until Asar and continue sleeping after Isya’.

This patch gives cooling sensation to reduce fever.

This morning I feel very much better. :)

Skin Problem Recovered

From the day I arrived in my lovely country, the weather is just fine – not extremely hot, gloomy, rainy. During the second week here, the weather is turning into very hot. I feel like the sunshine is ‘killing’ my skin. Until one day after a very hot afternoon, I realized my chin’s skin has some small tiny dotted texture. The dotted has spread all over my face through the night. I feel really bad and sad. Why Why Why?!!! I can’t wait until tomorrow morning to go for check-up.

Next morning, I went to an Islamic clinic in Bandar Baru Bangi. There were soooo many patient that morning.  Thank God I bring along my sudoku's book. Then I meet the doctor, explained my condition, she said don’t worry, it is the side effect of exposure to cold-dry weather before. I will be recovered within 2 weeks. During this period, I have to avoid any kind of chemical product. She gave me a small box of non-chemical cream, Aqurious (if I am not mistaken). This cream works very effective. Alhamdulillah my skin has recovered during less than 2 weeks. I applied the cream every time after I cleaned my face. I only use Johnson’s baby talc for my face. Frankly to say, I felt very low self confident to appear in the public without make-up + skin problem. Day by day, my skin has shown some improvements. I feel very comfortable, and simple for going out just with very light talc on my face. During this period, I took care of my foods. I only eat 'makanan-selera-kampung' especially ulam. And of course, back to HIM - I asked for Allah’s help to cure this problem. I believe. :)

Correction:13 Jan 2011

The worst day :(

Getting better

Alhamdulillah.

Benefits of Tofu (Khasiat Tauhu)

Since I LOVE to eat tofu recently, I have made some ‘homework’ to find the benefits of tofu.

Description: Tofu is made out of steamed and compressed soya beans.

The benefits are quite similar with the benefits of soya beans.

• High protein (more than meat)
• Cholesterol free
• Prevent cancer (woman and man)
• Absorb cooking fat easily
• Reduce bad cholesterol – prevent heart disease
• Good source of calcium – prevent osteoporosis
• Good for digestion

Notes: How good the food is, there is still a limitation. Balanced diet is the best practice for a healthy life.
Source:
The many healthy benefits of tofu, Benefits of Tofu, Benefits of Eating Tofu

Cold Storage: Favorite Shop to get Fresh Fruit and Vegetables

I love to eat fruit – including cherry tomato. I have found the ‘x-factor’ of this shop last year because it’s hard to find fresh cherry tomato around Bangi or Putrajaya.

This is the ‘must buy’ product for every week.

kebetulan… hari tu ada processed nangka or jackfruit. Very sweet!

For a un-married person like me, I love to get fruit or stuffs like this because of the ease and this is the amount that I suppose to take. But this is not suitable for big family for example because the price is higher than you buy a whole jackfruit and cut by yourself.

Another reason that I love to buy goods from Cold Storage is……

 

… they always come out with beautiful recyclable beg that comes with very reasonable price..

HIHIHIHIHI!

Winter Season – Skin Moisturizer

As we all know, during hot sunny day, our skin will produce some oil. Opposite thing will be happened during cold day. Cold weather + windy = very dry skin <—very itchy. At this moment, skin moisturizer will be your skin’s best friend. My choice for skin moisturizer is Mixa Intensif Peaux Seches.

Since I’m in France, the language written on the bottle is in French language. This product is an extra moisturizer lotion. It is non-greasy, and absorb well into my skin. It also helps me to repair those ‘cracked’ skin + reduce the itchy caused by the dry skin.

How about LIPS??? It is written in my previous post, Protect Your LIPS!!!

Saturday = Cooking Day!!!

Saturday and Sunday are the day to improve my cooking skills. Since I am ala2 wanita.. eh perempuan bekerjaya merangkap student dan tinggal sendiri lagi bujang, tak sempat nk masak during weekdays. Which I love to masak2. Pagi2 td celik je mata, tiba2 teringat fish stick ala2 fish and chip. Makan dengan sos tomato + mayonese. Perghhh sedapnye. (Meleleh ayaq liuq basi).. slurrppp. Selepas dah buat apa yg patut ditambah dengan perut yg berbunyi2, dengan segera menuju ke LIDL (sebutannya LIDDEL) yang berada sejauh 3 minit berjalan dr rumah. Alaaa mcm mini market kat Malaysia. Grab grab grab barang2… p la que kat counter. Then tergerak hati utk baca ingredient Mayo tu. ttbe ternampak perkataan Vinegar d’alcohol. T___T berlari la letak blk brg tu. mayo laen pon sama. then check ketchup (brand Heinz)..xde. since brand ni ada kat malaysia, xheran la kan. balik rumah, baru perasan tulisannya keciiiikkkk je ingredient. and ada benda yg sama jugak. sekian. selamat tinggal ketchup. “dipersilakan kamu ke tong sampah”


ni la barang2 yg shopping td.
Banana | Banane | Pisang Bio = 0.83 euro
Heinz Ketchup | Sos tomato = 1.65 euro
Batonnet Colin Pane (Fish stick) = 1.59 euro
Sugar | Sucre | Gula = 0.92 euro
Lemon | Citron = 0.79 euro
TOTAL = 5.78 euro <—murah kan?????
eden pon memasak la fish fillet tu dengan hati yg lara tanpa sos. tp diganti dengan jus perahan lemon asli. sedapppp. separuh dah dimandikan ke ikan tu, lg separuh nak buat apa? hah apa lagi, teringat posting si cantik lagi slumber, Hanis Zalikha pasal jus lemon, dengan berbangganya jus lemon suam disediakan segelas.

perghhh mmg kuat penangan citrus ni. kuat betul taste nya. segelas jus lemon hasil drpd extract separuh biji lemon mmg kaw2 la rasa dia.
 
I took about 2 hours to finish this drink. sebab tekak rasa perit kalu minum byk sekali gus. It is really refreshing after finished drink this glass of ‘happy juice’. I will definitely make another glass tomorrow and will use kulit lemon as scrub for my face. “Nyah kau bintik hitam”

Protect Your LIPS!!!

For normal days I MUST drink at least 1.5liter of plain water per day. My body needs a lot of water and of course after that - multiple times of toilet visits. During this cold weather, I need MORE plain water. I have to double the input. I have to drink at least 2 bottles of mineral water (3liter lah kan). Or else mula la bibir ni kering, tekak rasa pedih. Thank God, mineral water here is so cheap! it cost me 1.3 euro for 6 bottles of 1.5liter. Bila dehydration berlaku, it is obviously can be seen through my lips. The internal ‘medication’ for my lips is by taking a plenty of water. How about external protection? Lip balm is my lips's best friend. I have to carry it all the time in everywhere I go. I have bought 2 lip balms from LipIce as the preparation to face this cold season – Apple and Strawberry flavor. But I have lost the strawberry flavor :( I think it has dropped it in the tram. Nasib baik bawak 2. So tinggal la this one flavor, Apple... "Apple, hey apple!! Apple" - Annoying orange

Alamak, fokus background pulak. Hehehe abaikan jela bground semak tu yea

What I like about this brand are:

1. it gives the ‘coooolll’ feeling after I apply it on my lips. This is really helpful because when your lips is about to ‘pecah’ you will feel it very hot. This cooling process will able to reduce the pain.
2. the smell is not longer lasting. Tak de la pening bau bibir sendiri kan since bibir dekat ngan ‘terowong udara’ tu.

P.s: sorry for those grammatical error. pening kepala dah nengok skrin lama sngt T_T