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.

Thermos Mug for Me and My Brother

I don’t know why I become a Starbucks-maniac recently. Their coffee does really works on me – hyperactive.

Back to the topic – thermos.

Last month I did get myself a thermos mug from Parkson. Alaaa tak nak la mahal2 yang sampai beratus2 and dalam kaca. Yang tu memang la panas. Hot drinks macam green tea and coffee are my favorites. Lepas 3 minggu pakai thermos tu… cap (penutup) plastik tu dah bengkok. – frustrated! 3 weeks! masak la nak beli for every month kan.

Masuk je gaji, I have decided to get a starbucks’ thermos for myself, and the other one for my brother – dia pernah cakap he wants thermos from Starbucks – tak nak from parkson. “demand!” – I replied.

Do you know that Starbucks ada card… macam touch n go card?

• Bila register – dpt one complementary drink.
• Bila beli thermos ni (melalui starbucks’ card – topup with minimum RM50) -  1 free drink for one thermos.
• Discount RM2.00 for a drink if you bring your own starbucks cup/mug/thermos.

A lot more offers when you’ve registered your starbucks’ card.

KawKaw Burger Bakar

Lokasi : Lokas Makana, Puchong

Waktu mula operasi: 6.45pm

Last week adalah minggu makan sedunia. Selalu asek tengok org lain posting pasal beger bakar. Psycho jugak la sebab wondering sedap sgt ke sampai sanggup org queue panjang utk order… baru order je k. Belum dapat lg beger tu.

Semalam… hari keramat utk cuba beger bakar ni. Sebelum nekad untuk beli, we (me and my brother) did observed the place, tukang masak, pekerja… bersih ke x. Jawapannya jeng3… Bersih!

Queuing time: half an hour

Waiting time for our meal to be done: half an hour

Tired enough.

We’ve got ourselves beef-triple-cheese beger; ada tiga keping patty yg besau besau. The price is RM19.50. Worth it!

okay.. sounds so tamak. we share this burger. I only took a patty without cheese (owh kononnnya tak la rasa bersalah sangat)

Rasanya… memang sedap.

Ok… sedap is general. I’ve tried to analyze the taste. I can taste beef (of coz), sweet from onion, black pepper, ginger, and herbs. The meat tastes really juicy sweet.

Quarter pounder is my benchmark. Quarter pounder is purely meat. but this burger has additional taste – as mentioned earlier.

Berbaloi ke nak tunggu queue lama2? Sangat berbaloi.

OK.

Time to naik treadmill.

cau cin cau

My personal walk in "wardrobe"

Impian hati untuk memiliki build in wardrobe sebenarnya. Belum sampai rezeki lagi untuk ke tahap tu. End up I chose to get this very affordable hanger from IKEA.

Our (with my brother) first trial adalah sangat mengecewakan. Penyidai yang diidamkan sold out! 

A month later, we try our luck again. Lucky us, they have just restocked it! We've got ourselves 6 hangers (without even thinking how to carry it). The feeling is like nampak makanan atas tray masa buffet Ramadhan. 

*Roar* 

All for me... ALL!

The concept of shopping in IKEA is cash and carry (except for furniture). This hanger requires just a little of time spent to join each of components/parts. Even a lady can do it!

Some important info if you want to go to IKEA. Their business hour!!!!

Tips Hilangkan Bau Hanyir Makanan Laut (Seafood)

Hye akak2, abg2, adik2 yang nak cari tips cara hilangkan bau hanyir apabila masak makanan laut. Tips ni di inherit daripada my mum. 

Selalu kita basuh/bersihkan dengan garam dan asam keping. Those are very common lah kan utk bersihkan ikan. Before this I have been using asam keping + garam + daun serai untuk hilangkan hanyir makanan laut. But still, kadang2 tak ada serai kat rumah ni.

Another alternative way to bersihkan makanan laut dan hilangkan hanyir adalah dengan 

garam + asam keping + gula

Jadi lepas ni boleh la eh sediakan makanan laut yang sedap tanpa bau hanyir.

Selamat memasak!

Flat Shoes from SANTA

This is an ‘alien’ thing for me. I don’t really like flat shoes… or even sandals. Most of them melecetkan kaki and not that comfortable bila berjalan.

I love high-heels so much (no doubt) until one point where I realized… dah tak ada nafsu nak beli high heels. So I was thinking about flats. Flat sandal is totally out since before this I used to get myself a flat sandal but baru pakai 2 weeks dah putus sebab; selalu kene air and bila berjalan selalu terkepak kat tengah2 tu <—or bila pakai flat memang kene jalan seret2??? :/ Another reason that i dislike flats sebab… kalau hujan, kaki akan basah. If pakai platform high heels, you can walk just like not raining.

Ok… done with my bad perception about high heels.

The perceptions are still remain the same until one day, I hang out with my brother. We went to Sunway Pyramid. On that very sunny day, I told him I want to find a flat shoes. No more high heels for this time. We go round and round. Then I have found this one shop.. near to the escalator, SANTA. I was just looking around. Then I saw this one flat shoes. The design is unique. The color is pretty (black, brown, peach). I asked for the largest size (usually not that large for me). The sales girl came with the size 40.

At the moment when I tried, I can feel the good chemistry between me n this flats. The platform (tapak depan – I dont know what to call it) is quite thick and soft. Which is good. Because I prevents me daripada rasa direct contact between tulang kaki and lantai. When I walk, I can feel the shoe’s walking together with me. This is incredible!

Then I starts looking into the quality – stitch, glue, and material. Everything was nicely done! The one that attracts me some more is the ‘girly’ details at the shoe soles (I have just google translated “tapak kasut) . I’ve never seen something like this.

 

Now, I have been using this shoe for about 3 months. The condition is still good, very well, and value for money. And it didnt kills my legs.

For the flat shoes lover, you should try to get one from this shop. For the flat haters, you can now reduce your hate by using this flat shoes.

Some how, there is one thing that flat shoes cannot beat high-heels… help us to increase our height.

Jamuan Raya COIT 2012

Selamat hari raya aidilfitri to all Muslims. My bad lama sangat dah tak update blog. I am still adjusting my routine and time untuk berblog sejak keje ni. How’s your raya? Kejap je rasa sebulan syawal ni. Now dah masuk bulan Zulkaedah. Open houses? This year tak banyak sangat for me since I am still new here. But ada la a few. Most of my weekend hanya untuk rehat. Plus my universiti baru habis final exam last week. Phew. Later on I will share the story pasal my first course untuk semester ni.

Here is my picture together with my colleagues (a part of it) and the dean.

This is my 3rd time kot celebrate raya with COIT (as staff). Previous years lebih meriah sebab majority boleh datang. For this time,not many of us managed to attend the event due to outstation + final exam invigilation is on going. All in our head was marking marking and marking the answer scripts.

I left my camera at home! (Credit all pictures untuk my college) So I didnt managed to capture what do we have on that makan-makan day. Never mind, I will list out:

1. Nasi tomato ayam merah
2. bihun/mee sup (i took the sambal kicap and kacang a lot!)
3. Mee kari seafood (yummieh… I love this one)
4. Lemang with rendang (dah tak larat nak makan masa tu. Now sgt3 teringin!)
5. Koktail mixed fruit (tak sempat rasa. But I am pretty sure its yummy since out of stock cepat!)
6. Cakes… I love cakes! My favorita red velvet and choc cheese if im not mistaken.

Isnt the strawberry looks yummy?

We are not doing the gangnam style. We are just exercising our hands yang bertungkus lumus untuk preparation for the majlis. *denial*

Here here Here. Can you see the decoration at the back? It’s made by Mr. TJ, our taiko (grey baju melayu in the previous picture). I love it.

Mahathir Mohamad - an illustrated biography

Hari ni, I have spent my Sunday dengan reading this book. Actually I am not an ulat-buku person. I love to read comic for most of the time. Biography Bapa Kemodenan Malaysia ini disampaikan dalam bentuk illustrasi. This is why I can khatam it in just a few hours.

It does really an inspiring book. Siapa yang pernah tengok teater Tun Mahathir mungkin dah ada sedikit hint mengenai latar belakang beliau. Dalam buku ni, ada part yang termasuk dalam teater tu and ada part yang tak included dalam teater but covered in this book.

Beliau bermula dari bawah... sebagai orang biasa je. Dari zaman kanak-kanak, beliau dah dilatih oleh bapa beliau untuk belajar dan membaca. Nak bermain pun hanya dibenarkan di kawasan halaman rumah. But most of the time he will spend his time for reading some books.

Sejak dari kecil lagi beliau dilatih untuk belajar bahasa Inggeris. He has attended his secondary school in Government English School (Kolej Sultan Abdul Hamid). Rules at school were very strict. Only English was allowed to be spoken in school. The fine for speaking in other languages was one sen a word. Masa di sekolah juga beliau memperkembangkan minat membaca, menulis, dan berdebat.

Then zaman Jepun datang menjajah.

Semua sekolah Inggeris telah ditutup dan hanya sekolah Jepun dibenarkan beroperasi. He gave up before he could master Japanese language. Kehidupan pada masa itu menjadi semakin susah bagi semua penduduk tempatan... lebih-lebih lagi bangsa Melayu. Dek kerana terlalu susah nak mencari kerja pada masa itu, Che Det (his nickname) decided nak bukak perniagaan menjual air halia dan kuih - beliau dihalau daripada kantin Jepun. He sold his goods at the local market instead. Dengan usaha yang kuat, peniagaan dapat diperkembangkan dan dipindah milik kepada pembeli yang berminat and he started his new business selling fruits <-- one good point here! Pada masa itu, he realized that the Malays were left far behind in all aspects of business compared to the other races -  beliau sedar bahawa kelemahan kaum Meelayu dalam bidang perniagaan perlu diperbetulkan. Che Det mahu mengubah nasib bangsa sendiri. Dengan pengalaman beliau dalam bidang perniagaan, beliau boleh membuktikan beliau boleh free his people from poverty and to live better lives. He needs to do something. He decided to enter politics and do whatever he could to help his people and country - he was among the first person to register to become an UMNO member. He did not joined UMNO to get money. He works so hard in write up some political articles and claim the royalty so that he can further his study and become a lawyer - one of the jobs related to politics.

Allah has a better plan. Due to scholarship availability, Che Det had no choice but to apply to study medicine and was admitted into King Edward VII Medical College in Singapore (1947). Pada masa itu, hanya 7 out of 70 students adalah Malay. Zaman tu kan zaman ragging. Beliau tak terlepas. Apa la nasib senior yang buli beliau tu sekarang ni kan? Masa di kolej pun Che Det masih lagi menulis artikel mengenai politik untuk The Sunday Times (The Straits Times). Di kolej inilah juga Che Det berkenalan dengan isteri beliau, Siti Hasmah Ali. He helped her a lot in her studies. But Che Det had a habit of losing his cool easily whenever something that was so easy to him could not be understood by others (Siti hasmah)... but they always quickly made up again.

Mahathir's second good example is saving. Beliau mencari duit tambahan dengan menulis, dan beliau menyimpan sebahagian daripada duit tersebut. Dari situ beliau membeli motosikal, dan kereta. Bila sudah tamat belajar di Singapore, beliau mula to served the local citizen in Penang GH, Alor Setar GH, and Langkawi. On his days off, Dr Mahathir would travel to KL to be with Dr Siti Hasmah -- so sweet! They were started to build their new life in Alor Setar.

As many people know, Dr M set up his clinic in Jalan Tunku Ibrahim and named it MAHA KLINIK. During that time, it was the only clinic to be owned by a Malay. He was not just stay in the clinic and waits for the patient. Beliau sanggup travel ke kampung2 untuk merawat pesakit2 yang tak dapat nak berjalan keluar. Pesakit yang miskin tidak akan dicaj. Malah mereka diberi duit untuk perjalanan pulang. Ada juga yang berhutang. Walaupun begitu, perniagaan beliau terus berkembang dan berpindah ke Pekan Rabu. - Allah bless you. Perniagaan beliau bukan hanya klinik semata2. Beliau memiliki perniagaan di Pekan Rabu dan Pasar Yaacob. Beliau juga berminat dengan transportation business, mining activity, and housing projects. Again, dengan keuntungan daripada peniagaan2 yang dijalankan, beliau menyimpan dan memperbaiki taraf kehidupan mereka sekeluarga.

As a doctor, Dr M has proven his ability and was highly respected by the people.

Masih ingat lagi cita2 beliau nak terlibat dalam bidang politik?

During 1964 election, He was nominated for a parliamentary seat in Kota Setar Selatan. He WON with a large majority! Ini kerana beliau dikenali dengan jasa2 beliau membantu orang2 susah.

Walaubagaimanapun, pada pilihanraya tahun 1969, beliau telah tewas dek kerana sifat lantang bersuara mempertahankan hak kaum Melayu yang jauh ketinggalan. He was labeled a "Malay Ultra" by the non-Malays. The non-Malays voters voted for the opposition.

:(

Sebagai manusia biasa, ada masanya kita berada di bawah dan ada masa lain di atas. Dr M was expelled from UMNO due to his letter of critism to PM Tunku Abdul Rahman. Luckily beliau memegang title 'doktor'. Beliau kembali berkhidmat di MAHA klinik dan memiliki lebih masa bersama keluarga. Although he feels very dissapointed that the party he defended thus far had rejected him, Dr M did not allow the situation to make him sad. He accepted failure the way he accepted success.

Tun Dr. Ismail (UMNO Dept. President) accepted Dr M's application to be a member of UMNO. It's a good news for him and he vowed, 

"I take this as a challenge to do something that will benefit the people and the country."

From here, he has started his glorious carrier as a politician. 

He is a shy and modest man - but he is capable of being blunt and persistent.

He is a sympathetic and a good listener. He would listen to the speaker without saying a word until finished - only then would he respond and present his views.

He is not easily influenced by the opinions of others or rumors concerning people he holds in high regard - he believes every person has weaknesses and is capable of making mistakes. But they too have their good points.

When he faced with any political problem he would remember his medical lessons and training;

1. observe

2. note history

3. physical examinations

4. special examinations to find out the type of illness

5. diagnose and treatment

Dr M felt hurt by unjustified or unsubstantiated criticism.

Tetapi ada juga kritikan yang membina

Through out suka dan duka, beliau ada seorang penyokong setia disisi. His wife, Dr. Siti Hasmah.

:)

To run a country bukan lah semudah yang disangka. Banyak pengorbanan yang perlu dilakukan. 24/7 with assistants, bodyguards, dan menjalankan tugas untuk rakyat. Kuala Lumpur, Putrajaya, Cyberjaya, bidang IT, Proton... semuanya untuk pembangunan negara untuk bangsa. Akhirnya in 2002, beliau membuat keputusan meletakkan jawatan sebagai PM tetapi tempoh itu dilanjutkan sehingga 16 bulan berikutnya.

Semoga biography ini akan memberikan inspirasi kepada banyak pembaca.

You can get this book from MPH.

kad raya 2012

Pagi tadi, my brother ckp, tengok atas katil. I saw 1 sampul there. Sampul surat... bukan sampul duit raya! It's written, "To: Adik"

Awwww so schweettt!

A hari raya card from him.

Owh... yesterday was his birthday. Happy Birthday brother! Nanti cari wife yang pandai memasak so that tak la aku risau sgt hang lapar. 

Black Featuring Malique - Teman pengganti

Ketawa bersama
Menangis bersama
Ku bersumpah harap kita
Mati pun bersama


Sejak dua menjak ini
Makin kerap ku diganggu visi
Bila celik, juga bila mimpi
Aku nampak kau, tapi bukan aku yang di sisi
Dia membelaimu dengan izin dan permisi
Sentuhan katanya semuanya kau iakan
Sentuhan jari kau diamkan dan biarkan
Aku redha walau tidak ku damba
Walau hampa semuanya dah dijangka


Beberapa purnama dulu cinta bertahta
Kenangan dibina kita indah belaka
Ketawa bersama, menangis bersama
Ku bersumpah harap kita mati pun bersama
Namun hakikatnya, bukan mudah
Aku sembunyikan gulana-gundah
Segalanya kan berubah
Dengarkan apa yang ku mahu luah


*Rahsia ini
Telah lama ku pendamkan
Tiba masanya
Segala-galanya
Ku ceritakan
Aku kan pergi
Pergi ku tak akan kembali
Tiba masanya
Kau cari teman pengganti


Dalam dunia yang maya, prejudis dan bias
Kita tak terlepas dari terkena tempias
Rimas, ditindas, sembunyi dalam puisi dan kias
Tidak kau bidas, tak berpaling walau sekilas
Hanya kau yang tahu kodeksku yang kompleks
Dalam disleksia cuba kekal dalam konteks
Bila dunia seolah tak memahami
Kau sudi selami, dalami dan mengalami


Setia mendengar, sentiasa hadir
Ingat setiap ulangtahun, setiap hari lahir
Tiba pagi Syawal, kaulah yang terawal
Syawal yang terakhir ini pasti rasa janggal
70 000 hijab harus ku singkap
Ku sorok kitab balik tingkap penjara hinggap
Dalam diam ada, seorang yang ku puja
Kau teristimewa tapi dia yang sempurna


Ulang *


Sejak dua menjak ini, ku mencari fungsi kewujudan
Dalam persekitaran yang penuh kejumudan
Terperangkap dalam jasad, ku keliru
Mujur ada kau si peneutralisasi pilu
Namun aku tetap murung, berkurung
Tubuh makin susut, menunggu tarikh luput
Komplikasi di halaman rusuk kiri
Makin sukar nak bernafas, nak bergerak, nak berdiri


Lagu ini yang terakhir aku sajikan
Kalau rindu nanti bolehlah kau nyanyikan
Jaga diri, jangan makan hati
Yang patah kan tumbuh, yang hilang kan berganti
Bilik dah ku kemas, katil dah ku rapi
Cincin, kunci, dompet dalam laci
Ada sikit wang, itu saja baki
Moga-moga cukup untuk majlis itu nanti


Aku kan pergi
Bertemu kekasih abadi
Tiba masanya
Kau cari teman pengganti


Credit to: http://liriklagu.my/lirik-lagu-teman-pengganti-black-feat-malique/

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Lirik yang agak panjang untuk sebuah lagu but... lagu ni adalah sebuah cerita yang tersangat menyentuh hati. Yang hidup pasti akan mati. Itu adalah lumrah kehidupan. Sayangi dan hargai insan yang kita sayang sementara mereka masih wujud di dunia ni. Tunjukkan dengan perbuatan dan tutur kata. Apabila mereka sudah tiada, hanya ayat--ayat suci Al-Quran menjadi hadiah. Dan 'mereka' itu... suatu hari mungkin menjadi 'aku' juga.