Tuesday, January 27, 2009

Aishwarya and Akshay Kumar awarded Padma Shree


The 60th year of the Indian republic made Bollywood proud when two leading stars of Bollywood were awarded top civilian honours. Today, the Government of India awarded Padma Shree to Akshay Kumar and Aishwarya Rai Bachchan.

Aishwarya Rai Bachchan has popularized Indian cinema across the globe and has given much to Indian entertainment industry and though Akshay Kumar has done mainly commercial cinema yet his success and hits cannot be ignored. To be known that a few days ago, Akshay had been given the popular choice best actor award, which he refused.

The other Bollywood recipient of the prestigious Padma Shree is none other than the legendary Helen.

Abraham Lincoln and John F. Kennedy


Abraham Lincoln was elected to Congress in 1846.
John F. Kennedy was elected to Congress in 1946.

Abraham Lincoln was elected President in 1860.
John F. Kennedy was elected President in 1960.
Both were particularly concerned with civil rights.
Both wives lost their children while living in the White House.

Both Presidents were shot on a Friday.
Both Presidents were shot in the head.

Now it gets really weird.

Lincoln 's secretary was named Kennedy.
Kennedy's Secretary was named Lincoln.

Both were assassinated by Southerners.
Both were succeeded by Southerners named Johnson.

Andrew Johnson, who succeeded Lincoln, was born in 1808.
Lyndon Johnson, who succeeded Kennedy, was born in 1908.

John Wilkes Booth, who assassinated Lincoln , was born in 1839.
Lee Harvey Oswald, who assassinated Kennedy, was born in 1939.

Both assassins were known by their three names.
Both names are composed of fifteen letters.

Now hang on to your seat.

Lincoln was shot at the theater named 'Ford.'
Kennedy was shot in a car called ' Lincoln' made by 'Ford.'

Lincoln was shot in a theater and his assassin ran and hid in a warehouse.
Kennedy was shot from a warehouse and his assassin ran and hid in a theater.

Booth and Oswald were assassinated before their trials.

And here's the kicker...

A week before Lincoln was shot, he was in Monroe, Maryland
A week before Kennedy was shot, he was with Marilyn Monroe.

Creepy huh?

Other interesting facts:

Apparently Lincoln had a dream several days before the assassination that he had been killed.
He told his wife that he had seen himself in a casket.
Also, Lincoln's son Tad had a pet turkey named Jack. Tad asked his father not to kill the turkey for Thanksgiving.
Although Harry S Truman started the official tradition, Lincoln was the first to "pardon" a Thanksgiving turkey.
Now what would be real interesting is if Kennedy had a pet named Abe or had pardoned someone by that name.

Thursday, January 22, 2009

Intel close factory in Malaysia

Intel said on Wednesday it would close factories in Malaysia and the Philippines and scale back US operations as part of a restructuring that affects as many as 6000 employees. The announcement comes a day after the world's largest maker of microprocessors used in personal computers slashed prices on several of its processors, and a week after it reported a decline in fourth-quarter revenue amid slower global demand. Intel said it would close two assembly test centres in Penang, Malaysia, and one in Cavite, Philippines. It will halt production at a wafer factory in Hillsboro, Oregon, and stop some operations at a factory in Santa Clara, California.
The actions will affect 5000 to 6000 jobs, but not all positions would be cut, Intel said in a statement. The chipmaker said it would offer some workers positions at other facilities, adding that the restructuring would take place between now and the end of 2009.
"It's not a surprise given that their first quarter is probably going to be challenging, and they're trying to do what they can to cut costs in places that make sense," said Taunya Sell, an analyst at Ragen Mackenzie, a division of Wells Fargo.
Intel's shares rose about 1% to $US13.40 in after-hours trading, after rising 3.1% to close at $US13.26 on the Nasdaq stock market.
Last week, Intel said its fourth-quarter revenue fell 23% from a year earlier and profit tumbled 90%. It also held back on giving detailed quarterly forecasts, citing economic uncertainty.
Analysts have been wary about Intel's outlook for the year as chip sales slide. PC makers and other technology companies have been trimming inventory and cutting back on purchases.

Intel also faces competition from new, cheaper chips made by Advanced Micro Devices.

On Tuesday, Intel said it was lowering prices on some of its processors, including price cuts of up to 40% on some of its higher-powered, faster quad-core chips.

AMD said earlier this month that it expected to post additional restructuring charges for fiscal 2008 and 2009.Reuter

Tuesday, January 20, 2009

IKHLAS Saving Takaful

Ikhlas Savings Takaful

Introduction

IKHLAS SAVINGS TAKAFUL is an investment type plan that participates in profit, which will be distributed back to participants. This is an ideal plan which comprises the elements of savings and returns on investment with individual protection. This plan is designed to optimize the returns on investment to the participants.

What does IKHLAS Savings Takaful cover?

This plan utilises two key elements that will together meet or satisfy the obligation under the IKHLAS SAVINGS TAKAFUL:

• Level Term Cover
• Investment Account

IKHLAS SAVINGS TAKAFUL provides the following benefits:

DEATH AND TOTAL & PERMANENT DISABILITY BENEFIT
This benefit provides protection against death and total permanent disablement of the participant prior to the certificate maturity. The Sum Covered (SC) plus the
accumulated amount in the Personal Investment Account (PIA) are payable to the participant, participant’s beneficiary(ies) or next of kin.

Note: The above benefits exclude pre-existing conditions.

MATURITY BENEFIT
Upon maturity of the certificate, participant will receive a lump sum payment from the investment income and accumulated amount in the PIA and net surplus from Ta’awuni Account Pool in the Risk Fund.

CONTRIBUTION AMOUNT
Flexible contribution amount depending on the entry age and term of the certificate.

Why IKHLAS Saving Takaful?

PARTIAL CASH WITHDRAWAL
Partial cash withdrawals from the PIA are allowed after the certificate has been inforced for a minimum number of five (5) years. Only three (3) withdrawals are allowed during the lifetime of the certificate. Each withdrawal must satisfy a minimum gap period of two (2) years between withdrawals. A transaction fee of RM15 is chargeable from the PIA for each withdrawal.

TOP-UP OPTION
Top-up contribution is allowed from the commencement of the certificate. The amount of top-up shall be subject to a minimum of RM50.00 per top-up. This top-up amount shall be solely allocated to the PIA which will earn profit.

RIDER ATTACHEMENT OPTION
Participant can opt for any rider product to be attached to the basic certificate.

BETTER INVESTMENT RETURN
The Takaful IKHLAS Model allows the Company to optimise investment returns to the participants (please contact us for further info).

For your takaful solutions within Malaysia, please contact Ahmad Sanusi (mobile: +6019 234 8786 email: sanusi.my@gmail.com)

An Introduction to Takaful – An Alternative to Insurance

An Introduction to Takaful – An Alternative to Insurance

Islamic finance has developed mainly in two directions namely Islamic banking and Islamic insurance (Takaful). While information about Islamic banking is being increasingly disseminated, features, models and structures of Takaful are little known particularly in Pakistan. Purpose of this brief article is to describe main features and models of Takaful system operating in various parts of the world.

All human beings are invariably exposed to the possibility of meeting catastrophes and disasters giving rise to misfortunes and sufferings such as death, loss of limbs, accident, destruction of business or wealth, etc. Notwithstanding the belief of all Muslims in Qadha-o-Qadr, Islam provides that one must find ways and means to avoid such catastrophes and disasters wherever possible, and to minimize his or his family's financial losses should such events occur. One possible way out is to buy an insurance cover as in the conventional system.

Different views have been expressed about the status of conventional insurance from the point of view of Islam. An overwhelming majority of the Shariah scholars believe that it is unlawful due to involvement of Riba (interest), Maisir (gambling) and Gharar (uncertainty).@ Takaful, the Islamic alternative to insurance, is based on the concept of social solidarity, cooperation and mutual indemnification of losses of members. It is a pact among a group of persons who agree to jointly indemnify the loss or damage that may inflict upon any of them, out of the fund they donate collectively. The Takaful contract so agreed usually involves the concepts of Mudarabah, Tabarru´ (to donate for benefit of others) and mutual sharing of losses with the overall objective of eliminating the element of uncertainty.

Takaful is not a new concept in Islamic commercial law. The contemporary jurists acknowledge that the foundation of shared responsibility or Takaful was laid down in the system of ‘Aaqilah’, which was an arrangement of mutual help or indemnification customary in some tribes at the time of the Holy Prophet (pbuh). In case of any natural calamity, every body used to contribute something until the loss was indemnified. Similarly, the idea of Aaqilah in respect of blood money or any disaster was based on the concept of Takaful wherein payments by the whole tribe distributed the financial burden among the entire tribe. Islam accepted this principle of reciprocal compensation and joint responsibility.

The contract of Takaful provides solidarity in respect of any tragedy in human life and loss to the business or property. The policyholders (Takaful partners) pay subscription to assist and indemnify each other and share the profits earned from business conducted by the Company with the subscribed funds. Takaful companies normally divide the contributions into two parts, i.e., donations for meeting mortality liability or losses of the fellow policyholders and the other part for investment. Accordingly, the clause of Tabarru´ is incorporated in the contract. How much of the contribution is meant for mortality liability and how much for investment account is based on a sound technical basis of mortality tables and other actuarial requirements. Both the accounts are invested and returns thereof distributed on Mudarabah principle between the participants and the Takaful operators. The profit attributable to the participants is credited into the two accounts separately. To describe from another angle, a Takaful contract may comprise clauses for either protection or savings/investments or both the benefits of protection as well as savings and investment. The protection part of Takaful works on the donation principle according to which individual rights are given up to indemnify the losses reciprocally. In the Savings part, individual rights remain intact under Mudarabah principle and the contributions along with profit (net of expenses) are paid to the policyholders at the end of policy term or before, if required by him.

The distinction between the conventional insurance and Takaful business is more visible with respect to investment of funds. While insurance companies invest their funds in interest-based avenues and without any regard for the concept of Halal-o-Haram, Takaful companies undertake only Shariah compliant business and the profits are distributed in accordance with the pre-agreed ratios in the Takaful Agreement. Likewise they share in any surplus or loss from the pool collectively. Takaful system has a built-in mechanism to counter any over-pricing policies of the insurance companies because whatever may be the premium charged, the surplus would normally go back to the participants in proportion to their contributions.

The terms ‘Family Takaful’, ‘Takaful Ta´awani’ or just ‘Takaful’ are generally used for family solidarity in place of conventional life insurances. Other products available in various countries are General Takaful, Education/Medical Takaful, etc. Based on the nature of relationship between the company and the participants, there are various models like Wakalah (agency) Model, Mudarabah Model and the combination of agency and Mudarabah models. In the Sudanese Takaful Model that is preferable to majority of the contemporary Shariah experts, every policyholder is also the shareholder of the Takaful Company. There is a Board that runs the business on behalf of all the participants and there is no separate entity managing the business. The legal framework in other Islamic countries normally does not allow this arrangement and Takaful companies work as separate entities on the basis of Mudarabah (as in Malaysia) and on the basis of Wakalah (as in the Middle East region). In Mudarabah model that is practised mainly in the Asia Pacific region, the policyholders get profit on their part of funds only if Takaful Company earns profit. The sharing basis is determined in advance and is a function of the developmental stage and earnings of the Company. The Shariah committee approves the sharing ratio for each year in advance. Most of the expenses are charged to the shareholders.

In Wakalah Model, the surplus of policyholders’ funds investments – net of the management fee or expenses - goes to the policyholders. The shareholders charge Wakalah fee from contributions that covers most of the expenses of business. The fee rate is fixed annually in advance in consultation with Shariah committee of the company. In order to give incentive for good governance, management fee is related to the level of performance.

The Takaful business has proved its viability in a period of only two decades. It has been growing at the rate of 10-20% p.a. compared to the global average growth of insurance 5% p.a. A large number of Takaful Companies exist in the Middle East, Far East, Iran, Turkey, and Sudan and even in some non-Islamic countries. There are over 60 companies offering Takaful services (including Windows- 5%) in 23 countries around the world. Malaysia has developed Re-Takaful business as well. Takaful products are available to meet the needs of all sectors of the economy, both at individual as well as corporate levels to cater for short and long term financial needs of various groups of the society.

A Convention of D-8 countries was held in Kuala Lumpur in November, 2002 on “The Emergence of Takaful in the Wake of Globalization”. It is worth noting that among D-8 countries it is only Pakistan where Takaful business has not been introduced so far. Islamic banks and financial institutions require Takaful services for their operations. Although, the insurance business in Pakistan falls in the jurisdiction of the Securities & Exchange Commission, Pakistan, institutions operating Islamic banking would have to deal with insurance. As such, the Central Bank should desire that Takaful business be introduced in the country at the earliest. In the revised Insurance Act, the Government of Pakistan has added the provisions for Takaful companies in the country. As reported in the press, Pak Kuwait Investment Corporation has recently been allowed by the SEC to establish a Takaful Company in Pakistan under the name of “First Takaful Insurance Company Limited” with authorized capital of Rs 100 million.

By: Muhammad Ayub

Insurance in emerging markets: overview and prospects for Islamic insurance

Insurance in emerging markets: overview and prospects for Islamic insurance

Swiss Re’s new sigma study explores the latest developments in the insurance sector of the emerging market economies, with a special focus on the growing market for takaful, a form of Islamic insurance.


The first half of the study covers the latest developments in the insurance industry in the emerging markets. The second half is devoted to a discussion of takaful, a form of financial protection based on mutual assistance and joint risk bearing that is widely accepted by Islamic scholars.

Non-life insurance in the emerging markets
In real terms, emerging market premiums in the non-life sector grew by 11.6% in 2007. Premium volume in 2007 amounted to USD 199bn. South and East Asia (+13%), Eastern Europe (+12%) and the Middle East (+12%) grew the fastest. According to Daniel Staib, one of the study’s co-authors, “The non-life sector benefited from the strong economic environment and the introduction of new compulsory lines in the Middle East.” Staib adds, “The motor and property businesses continued to dominate the emerging markets insurance landscape in 2007, with motor insurance outperforming the non-life market as a whole.”

Life insurance in the emerging markets
Growth in the life market slowed from 18% to 14% in 2007. Premium volume in 2007 amounted to USD 223bn. Co-author Prudence Ho notes, “The strong performance of the stock markets in the first three quarters of 2007 led to increased sales of investment-linked life products. The launch of new products and the increasing market share of bancassurance, the provision of insurance services by banks, also contributed significantly to the sector’s results.”

Most of the regions decelerated only marginally from their record high levels of the previous year. In South and East Asia, Indonesia (+57%) grew the fastest in 2007. In India, the second-largest market, growth of new business fell from 145.7% in 2006 to just 9.6% in 2007.

Insurance trends and the outlook for the emerging markets
One of the recent developments in the insurance sector of emerging markets is the decision by some regulators to push for the introduction of more stringent capital requirements. Another development is the expansion of microinsurance, which extends coverage to low-income individuals. Finally, bancassurance has continued to grow in importance as a distribution channel.

The financial crisis in industrialised countries has clouded the near-term economic outlook. Demand for products exported from emerging economies will shrink. Commodity prices have already fallen significantly and are expected to continue their slide, leading to lower inflation. Daniel Staib notes, “Insurance in the emerging markets is expected to grow at a slower pace in 2008 and 2009, but its longer term growth prospects remain positive.” He adds, “Factoring in these considerations, average annual growth is likely to drop from the 2002 to 2007 levels of 11.4% in life and 10.6% in non-life to 7-10% in life and 3-8% in non-life between 2008 and 2013.”

Islamic insurance – the growth of takaful as a solution
Various Islamic insurance models that comply with the shariah, the body of Islamic religious law, have been adopted in Muslim countries. Takaful, the focus of the sigma study, is the most accepted model.

Takaful is a system based on the principle of mutual assistance (ta’awun) and voluntary contribution (tabarru), where risk is shared collectively and voluntarily by a group of participants. Through payment of a voluntary donation and the clear definition of the type of loss, impermissible elements such as uncertainty (gharar) and excessive risk taking (maisir) are removed from the contract.

Takaful involves:

* the creation of a shariah supervisory board that oversees insurance operations and compliance with the shariah;
* the separation of shareholder funds from policyholder funds;
* the commitment to distribute technical profits to policyholders;
* the avoidance of investment in non-shariah-compliant assets.

Islamic insurance – future prospects
Between 2004 and 2007, the average annual growth rate for takaful was estimated at 25% (adjusted for inflation) versus 10.2% of that in the conventional market. Although takaful premiums of approximately USD 1.7bn were written in 2007, the global takaful market could reach USD 7bn by 2015. The 1.5bn Muslims around the world represent a growing client segment for the insurance sector.

For this sigma, five markets were analysed in detail: Bahrain, Indonesia, Malaysia, Saudi Arabia and the United Arab Emirates. The two takaful markets with the largest growth potential are Saudi Arabia and Malaysia.

According to Prudence Ho, “Takaful is set to grow because populations of Muslim countries are rapidly growing and because shariah scholars agree that Muslims should refrain from buying conventional insurance if a takaful operator is selling the same product and offering similar benefits and services.” She adds, “Many companies – global, regional and local – have set up new takaful operations over the past five years and retakaful capacity is also expanding continuously.”

Regarding the challenges facing takaful, Daniel Staib explains, “For takaful to prosper, staff with insurance and shariah expertise, shariah scholars, and solutions for coping with large risks are needed.” He adds, “Further standardisation of the operating models and regulations are required. Improving the general public’s awareness of takaful products is also key. ”

Both authors agree that if companies – with the support of regulators – rise to this challenge, the international takaful industry is well positioned to realise its full potential and attract customers from over the world, regardless of their religious affiliation.

This publication can be downloaded in English, German, French, Italian and Spanish. Japanese and Chinese (simplified) will follow shortly.

(Swiss Re)

Sunday, January 18, 2009

Final Result Anugerah Juara Lagu 23 TV3 (AJL 23)


Salam & hello to all my dearest reader, here you are the Final Result of Anugerah Juara Lagu 23 TV3 (AJL 23)

The winner goes to :-
Kategori vokal terbaik : Faizal Tahir , Sampai Syurga
Kategori persembahan terbaik : Faizal Tahir , Sampai Syurga
Kategori etnik kreatif : Farawahida, Persoalan Cinta (Zulfekar)
Kategori pop rock : Meet Uncle Hussein, Lagu Untukmu
Kategori balada : Faizal Tahir , Sampai Syurga

Juara Anugerah Juara Lagu AJL 23 : Lagu Untukmu from kumpulan Meet Uncle Hussein.

Thursday, January 15, 2009

10 Proven Tricks To Build Up Your Emergency Fund


Summary - The keyword is fluid & 6 months salary

If you read financial related blogs, almost every one of them will advise you the same thing - Start your emergency fund. Technically this fund will serve as a safety net should anything happen to you. You never know.

For example, you are sacked from your job. With your emergency fund, you will be able to support your family and still pay all those monthly bills while searching for other jobs. Imagine not having one, you car will be taken from you, maybe even your house. How on earth will you be able to focus on job hunting with all those problems?

So start your emergency fund, Recommended value should be around 6 - 9 months of your monthly expenditure. Let me repeat, “expenditure” not your salary.

These tips may help in establishing your emergency fund.
1) Eliminate bad habit that cost money

Bad habits that cost money are like smoking, drinking, partying every other night etc. Look into your daily activities and identify which unimportant activities is draining your money. List them down and decide right now whether that habit is good or bad. If it’s bad, put a stop to it.

How to get out of a bad habit? Aha.. That will require an entry of its own.
2) Pretend everything cost $5 extra

If you buy your monthly groceries, and it total up to $120, Take out $125 instead. Pay up for the groceries, but the remainder $5 is to be put into your emergency fund. Do this to every purchases you do. Call it your personal tax if you want.

You will spend less for sure, and you are saving more. What harm can it do?
3) Budget and rebudget

Now you should have cut all the unnecessary expenditure. Make a budget for the month. Here is how you can do that.

Record everything you bought and spent up to the cents. This is the time consuming part, just bear with it for about 3 months. You just want to have a clear picture of how you are spending your money.

Once you have recorded every expenditure of the day, write it down in your Excel file and tally it with your actual balance in hand. If it is tally, that means you are monitoring your finance well. If not, that can only mean that there are some money lost without you knowing it. Figure this out first.

By the end of the month, you should know how much exactly are you spending on food, entertainment, bills etc.

Assuming you are spending $2000 for the whole month. Take 10% out and that would be $200. Now check back your budget. Where can you squeeze out that $200.

Certainly things like phone bills, entertainment, electricity can be cut easily. Remember this is only temporary. Once you have achieved your emergency fund target, you can do what ever you want :)
4) Snowball saving

Remember the snowball technique? That technique was actually used for eliminating debt fast. However we can adjust the technique so that we can now save faster. Always pay the minimum amount of any bills and just put the extra money to your saving.

It would help to get yourself a piggy bank. When you cannot see your money, you will be more likely to forget about it. Rule of thumb - Never pick up the piggy bank to weight them. You will be tempted to count the money inside.
5) Create multiple bank accounts

I would suggest 3 accounts. One is for rainy days, another is for death or 911 cases and the third one is to be forgotten.

One of the advantages of keeping separate accounts is that you will always see the total amount saved as low. This will hinder any temptation to use it. Imagine you are saving about $80 per month in one account. Will you withdraw that money for your entertainment when you know how hard it is to save that amount of money.
6) Use online banking.

If you can, please use online banking. It is very easy to do and you can transfer all your money to another account without touching the money.

You see when we always have that feeling of a think wallet, we will know subconciously that we have a lot of money. Anything happened, however minor, we will straight away withdraw the money since we know it’s there.
7) Play “Kutu”

“Kutu” is the name of the game played here in Malaysia. It is pronounced as Koo Too. A group of 10 people will sit down and agree to pay $100 per month for 10 months. They will then set up a schedule on when to receive the money. For example, January is for Joe, February is for Tina.

When it is January, one person will collect $100 from everyone and surrender the money to Joe. The next month, they will collect all the money and surrender it to Tina. This will go on until all 10 people have received their share of money.

One thing that must be clear. All the 10 people must be very trustworthy. The system will be a mess if somebody start avoiding payment etc.
8] The Lost Key strategy

This is another favorite of mine. Surrender your ATM card to your spouse. But do not give her the pin number. This way, both of you cannot use the card to withdraw money. The money will be safe.

You just need to explain to your spouse that the reason you didn’t give her the pin number is due to safety reason. Not because you didn’t trust her. You don’t want this saving exercise to ruin your relationship now do you? :)
9) $1 doesn’t have any value

An item cost about $7, and you pay with $10 bill. Convince yourself that the $3 change (which is in $1 bill) have no value.

But of course do not throw away that $1 bill, just put it into your piggy bank. Believe me, you will achieve your target in no time.
10) Personal loan

This should be used only as your last resort. If you are having trouble committing to your saving habits. Apply for a personal loan with low interest and put all the money in your account as an emergency fund.

The advantages

* Your emergency fund is ready
* People will harass you daily if you didn’t pay
* You can even make money if you choose carefully

The disadvantages

* You are losing money from paying interest

Conclusion

Emergency fund is a must. If you don’t have one, start working on one. Just make sure it amounts to 6 months of your salary and the saving is fluid (You can take out the money anytime you want)

Making Profit On The Internet – Google Adsense

Some good info for make money online. I found this article in internet...share if you care...

Author: SONAM GOYAL

There are so many ways to make profit on the Internet that you would need a complete e-book for it, and not a tiny article as this one. But lack of space should never deter one from sharing some good news. Let
us see how the Internet can be used to make some good cash online. One totally fail-proof method to draw profits from the Net is to use pay-per-click to generate adsense income. This method is so simple to
understand and easy to operate that absolutely anyone can do it.

In order to get a good and continuous income flow from the adsense ads, you will need to use a form of traffic arbitrage in combination of some good but low cost keywords and the bid on the different pay-per-click search engines like Google. In order to have the system fail proof you will have to work initially to plug in any imbalances that may exist. You must take care about the following:

1. Keywords: You will need to choose exceptionally
apt keywords, which will be high paying. For this you should be tuned in on what is the right combination and you should be able to attract the right type of crowd to your website. You will payment for PPC
should be justified vis-à-vis the adsense ad, or you will not make money. Your keywords should attract sufficient traffic to attract enough traffic for you to make a neat income.

2. Content: You have to ensure that the ads and the
content are highly relevant to the visitors or you will not attract them to click on your ad. You should be aware that when you are buying keywords you are actually purchasing a pass for your traffic. Hence,
unless the content and the ad are complementary, you will not be able to raise any profit. This is one element that is taken for granted by most first-timers causing them loses where they could have made profit.

3. Cheaper keywords: Google is the best today true.
But they are not the only ones in the market. If you are functioning on a shoestring budget, you can definitely try out some other search engines. Some of the choices you can have are Brainfox, findwhat, etc.
Try them out.

4. Track your ads: It is extremely wise to keep a
check on how your money flows by tracking your advertising. In order to repair damages in time, you will need to know where and when you are hitting the wrong buttons. This information will be available for you only when you keep track of your ads with continuous tracking. For this purpose you may use the services of professional tracking agencies. This may be a bit costly but it is worth the effort. Another way to keep track is to set up a separate landing-page for each of your sources. In this way your own website can give you the requisite statistics and you can see clearly which search engine gives you the best results. This method can be very good if set up correctly. You will have to ensure that the feeder articles (pages) which propagate free traffic combine well with the PPC traffic so you can get a low per-visitor cost in the long run.

5. SEO: You must have feeder pages set up so you come up high on the organic searches. When the organic searches rank you high you are likely to attract heavy free traffic. What is he best part
here is that as you move up on rank in the organic search, the ppc also will move up and hence earn you better profit.

Earning profit with adsense is a piece of cake once you have all things set in place. It is very important though, to achieve the right balance
between the use of keywords and the ppc. In order to be on the safe side, a periodic if not regular tracking should be done and according to the findings, the required fine tunings should be done. Unless this is done, you will not be able to stop the losses when they occur, nor will be able to raise your profits when the market is ripe for it.

Wednesday, January 14, 2009

Top Keyword Adsense

Top Keyword Adsense profit..

Daftarnya kata kunci mahal:
Max CPC ($) Avg CPC ($) Keyword
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418.63 79.81 domain name yahoo
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262.02 40.36 benchmark lending
438.23 38.05 domain yahoo
330.50 37.86 yahoo web hosting
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48.68 29.77 law lemon ohio
54.31 29.34 att call conference
83.22 29.10 insurance medical temporary
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36.88 28.26 personal injury solicitor
101.30 28.23 att go
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159.00 27.11 google affiliate
90.48 27.11 at t wireless
172.60 26.31 100 home equity loan
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37.33 26.00 chicago hair laser removal
53.70 25.98 att conference
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123.04 25.15 mesothelioma
74.66 24.88 buy gift card
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102.69 23.03 att prepaid wireless
170.89 23.00 fortis health insurance temporary
39.31 22.93 miami personal injury lawyer
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69.09 22.74 at and t cell phones
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103.19 22.47 malignant mesothelioma
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53.88 22.24 anti spam lotus notes
31.56 22.23 life insurance quotes
105.05 21.91 egg credit
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65.98 21.77 lemon law
193.39 21.67 google adsense
33.09 21.67 best consolidation loan student
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The Benefit And Advantages Of Ebooks

The Benefit And Advantages Of Ebooks

An ebook is a book in electronic format. It is downloaded to a computer, PC, Mac, laptop, PDA or any other kind of computer, and is read on the screen. It can have numbered pages, table of contents, pictures and graphics, exactly like a printed book.


Ebooks present many benefits and advantages, and this article shows some of them.

It is very simple and easy to purchase and download ebooks through the Internet. It is exactly like purchasing any other product. The only difference is that after payment you will either be directed to a download page or receive the download link in an email. All you have to do is click on the link and the ebook will automatically download to your computer, to a folder of your own choice.

After download you don't have to be connected to the Internet in order to read the ebook. You can stay offline. If you wish to have it printed, it is very easy. Just click on the print button in the ebook, to print it with your home printer.

So what are the benefits and advantages of ebooks?

1. Ebooks are delivered almost instantaneously. You can purchase, download and start reading them within minutes, without leaving your chair. You don't have to go to a bookstore to buy them, neither wait for them for days, weeks and sometimes more to arrive in the mail.

2. No trees are required to manufacture paper for the pages of ebooks.

3. When you need certain information, you can get it immediately, by downloading an ebook.

4. Many ebooks are sold nowadays with bonuses, which you usually do not get with a printed book. This adds value to your purchase.

5. Ebooks take up less space. You practically don't need any space to store them. You don't need a library or a room for them. You can store hundreds and thousands of ebooks in your computer.

6. Ebooks are portable. You can carry a whole library of hundreds of books with you, on CD, in a laptop, notebook or any ebook reader, without worrying about their weight.

7. With today technology you can read ebooks anywhere, on the bus, train, airplane and while standing in line.

8. Ebooks are more safely stored and carried from one place to another, than ordinary books. They also withstand time more than books.

9. Ebooks can show links, for easy access to more information and related websites.

10. Ebooks are searchable. You can easily search for any information in an ebook, instead of turning page after page.

11. Ebooks can be interactive and contain audio, video and animations, which can enhance the message that the author is trying to convey.

12. As ebooks are delivered through the Internet, there are no packing and shipping expenses.

13. Ebooks can be printable, so that if you wish to read an ebook in the traditional way, you can very inexpensively print it with your home printer or at any printing shop.

14. Fonts in ebooks can be resized, making it easier to read for people with disabilities. With an additional software it is possible to turn some of the ebooks into audio books.

15. Ebooks are very easy to to sell and distribute.

16. It is very simple and easy to purchase and download an ebook. People living in big modernized cities, in a remote village in a far away country or on a small island, can equally access an ebook. It takes them the same amount of time to purchase and download an ebook, provided they have an Internet connection.

17. It is possible to purchase an ebook 24 hours a day, every day of the year, from the comfort of your own house or office. You can purchase and download an ebook, even if you are on a vacation, if you have a laptop and wireless Internet connection.

18. People are already spending a lot of time in front of their computers, so why not read and ebook, instead of doing something else?

Nowadays one can find ebooks about every possible subject, fiction and nonfiction, free and not free.

Considering non-fiction ebooks, such ebooks disseminate knowledge not pages, which means that it is not correct to evaluate the price of an ebook according to the number of its pages. The price should be determined by the information it contains, its usefulness and relevancy, and on how much it gives you in terms of practical knowledge, inspiration, motivation, tips and advice, and also by the uniqueness of the information it contains.

© Copyright Remez Sasson
Website: http://www.SuccessConsciousness.com
Books: http://www.successconsciousness.com/ebooks_and_books.html

Tuesday, January 13, 2009

Auto Insurance Coverage

Auto Insurance Coverage Information

Factors Affecting State Farm Auto Insurance Coverage
• Age: You pay more if you are less than 25 years of age. Drivers over the age of 50 with good driving record get a discount.

• Where you drive: City driving and back and forth from work driving insurance is more expensive than inter state driving.

• Driving record: You get cheaper insurance rate if you have had no accidents in last five years.


• Type of vehicle: A new expensive vehicle being paid out through bank or finance company has higher rate of insurance than a second hand or family vehicle.
State farm auto insurance cover is valid anywhere in the USA and Canada, but covers just 25 miles inside the Mexican border. It is non-traditional insurance, meaning that it does not cover properties that traditionally do not fall under typical property items or automobile insurance. These include boats, snowmobiles, personal watercraft and ATV’s, while Farmers Auto Insurance and homeowners insurance covers wide range of goods including the non-traditional ones too.

Auto insurance, home insurance or any specialty insurance cover is very important to prevent financial loss in case of any untoward mishap or accident. A little premium takes care of your worries.

A motor trade insurance policy is important if you work in a business that buys, sells, or fixes cars. Trade insurance protects the business owners and/or the individuals working in the business from financial loss should an unpleasant situation occur. No matter how big or how small the business, motor trade insurance is an extremely important part of running that business! However, because every business is different, there are many different types of motor trade insurance policies. The different types will offer different degrees of coverage, different premiums and different features.

There are five main types of trade insurance that you can choose from. These are the third-party only, also known as third part; fire and theft; comprehensive; liability; and a combined policy. When choosing among these options, you must determine what the needs of your business are to determine what type of policy will be best for you. Some different features included on motor trade insurance policy may include administrative benefits, and social and personal use of any vehicles to specified drivers.

One type of a motor trade insurance policy that is required by law for certain types of traders is the third party only motor trade insurance policy. The types of traders that are legally responsible to own such a policy are buyers and sellers; those working as mobile tuners; a repairs man, or a Valier or fitter. This is generally a type of policy that is needed if the insured is going to be working on cars. It's a particularly important type because it holds the insured responsible should the repairs fail and someone get into a car accident. This type of insurance is especially important if the insured will be driving any car out on the road. Another option with this type of insurance is fire and theft. This type of motor trade insurance policy combines all the protection with the third party only policy but adds on protection in case of fire or theft.

Understanding Auto Insurance


Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and
are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.

Here are some tips that would help you to understand more about auto insurance.

1. One of the most important tips that would help you get a discount is to check with your auto insurance agent before buying a car. The value of the car, the cost of maintenance and the likelihood of theft all affects the rates you have to pay. Get to know the policies of your insurance provider before you make a final decision on the car/vehicle to buy.

2. Most insurance companies would give you discounts if you take out more than one insurance policy from them. You can check to find out whether it would be better for you to take out all your insurance policies from one company or if the discount you get from different companies on different policies would make more sense.

3. The deductible is the lowest minimum you have to pay before your insurance policy starts to run. The higher deductible you pay the more discounts you get. What is the highest deductible you can pay? It is always better to pay a higher deductible than lower.

4. Safety devices in your vehicle also qualify you for discounts. But you have to ask for them, most agents may not tell you about it unless you ask for it. Devices like airbags, anti-theft, anti-lock brakes and daytime running lights.

5. Shop around for the best deal! Do not just rely on one quote or one referral. Check out different insurance companies. There are many of them competing for business. So take advantage and save several hundreds of dollars.

How a life insurance works

Is a very common question to all people on how a life insurance works...Why people need life insurance ?

People need Insurance because , Through Insurance :

1) The Power To Create An Immediate Estate
One of the most powerful aspects of purchasing a life insurance policy is the ability of the insured to create an immediate estate, which is legally valid and recognizable in the court of law. Through a simple contract with the insurer, an immediate estate is created which may form a part of his total estae such as

properties and business interests.

In comparison to acquiring property, owning a successful business having cash savings and other forms of investments, the insured would most likely have to invest his limited time and resouces. To build a net worth of $500,000 would require possibly a lifetime for a majority of the working population. There is of course, no guaratee of success, as there will be elements of economic uncertainty, mismanagement, external factors, or timing, which may affect his good intentions.

On the other hand, purchasing $500,000 life insurance policy creates an immediate estate of that amount at a fraction of the cost. Besides, most life insurance policies have increasing cash values. Such policies posses a certain asset value in which the insured can exert ownership just as with other personal property or assets permissible by law.
2) The Power Of Compounding Interest

In simple interest theory, a capital sum of $1000 that is accumulated at 5% per annum would derive an interest amount at the end of the year of $50. If the interest is not included in the capital sum, a 5 year interest accumulation at the same amount and interest rate would mean a total $250 in interest earned. There is therefore no re-investment of interest.

With compound interest, the amount of $50 is added onto the initial $1000 and becomes additional capital sum to be invested at 5%. To derive the total amount where the initial capital p is accumulated over n years at an interest rate of i%, the formula to derive total amount = p(1+i)n

As the result, interest earned through compounding the interest over the same duration to be more than interest earned under the simple interest method.
However, there are other factors which should also be considered when using the compound formula such as inflation rate and interest rate achievable.

Life Insurance Without Invading Your Privacy


Life Insurance Without Invading Your Privacy

Not so long ago, applying for a sizable term life insurance policy meant the invasion of a physical exam. You might have gotten off with just having a medic collect some body fluids and weigh you, or you might have had to go to the doctor
for a full physical. This took a lot of time because exams had to be scheduled, and then it took even more time because the insurance company had to wait to get the report from an examiner or doctor's office. Sometimes the whole process could take weeks or months.

However, insurers know that their business is very competitive these days, and they also know that a lot of the people they would like as customers are very busy people. Busy people, or just people who want to protect their privacy, may very well choose a policy that does not require a physical if that option is available for them. People today just want to make an application, pay the bill, and have their life insurance in hand. They do not want to go through a complex application, and then have to endure an invasive medical exam.

The internet, with online life insurance offers, has made the market for no med life even larger. For awhile, a person could qualify for a smaller term policy with no physical, and some very small whole life insurance policies were available. But now I have seen offers for policies of up to $400,000 without any sort of physical in some cases. The requirements to issue a policy usually depend upon a couple of things. The age of the applicant makes a difference, and so does the size of the policy.

So a 35 year old should be able to find large amounts of coverage without many requirements, but a 55 year old man may have to accept a smaller amount if they want to skip the exam. Applicants that are past retirement age will certainly need to present some sort of medical proof that they are healthy for a large policy, but smaller policies are still available to people of almost any age or health status. In fact simplified issue and guaranteed issued policies have been designed just for seniors, and they have been designed to be issued without much time or trouble.

Now the applicant will still have to fill out an application. For policies that ask health questions, some insurers may add additional requirements depending upon the answers to those questions. They may ask for a doctor's statement or some sort of para-med exam, depending upon the answers to the questions on the application, but they usually do not.

And do not think that a no medical exam life insurance policy is an excuse to mislead an insurance company about your health status. If a person does not answer the questions to the best of their ability, then the insurance company can deny benefits if they find out. And believe me, even without an exam, insurance companies are very good at finding out things like that when hundreds of thousands of dollars are at stake.

Understanding Auto Insurance

Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.

All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance. Auto insurance premiums
for men are higher than auto insurance premiums for women. Similarly, teenagers are considered high risk and will have to pay higher auto insurance premiums. The auto insurance premium can be reduced if the teenager takes a defensive driving course. Many states require teenagers to take defensive driving courses in order to obtain a driving permit and auto insurance.

It is customary for auto insurance plans to have a deductible that the customer is responsible for before the auto insurance provider offers coverage of expenses. Deductibles can have an effect on the coverage available under an auto insurance plan.

Auto insurance is slightly different than other types of insurance because you can purchase auto insurance that covers specific needs. For this reason there are different kinds of auto insurance. Auto insurance basics are covered by liability auto insurance plans. Liability auto insurance is usually the minimum required by state laws. Liability auto insurance is characterized by a set dollar amount of coverage for damages resulting from accidents or negligence. The coverage amount of liability auto insurance can be applied to property damaged in the accident that is not an auto.

Car insurance also comes as collision auto insurance. Collision auto insurance is meant to cover the cost of repairs to a vehicle involved in an accident, or the cash value of the vehicle if it cannot be repaired.

Comprehensive auto insurance is also available. With comprehensive auto insurance, coverage of fees for repairs is provided for accidents that are not collisions. Comprehensive auto insurance will, for example, cover hail or fire damage.

Whatever type of auto/ car insurance you need, Business Health Insurance can help! We have all of the information on auto insurance in your state.

Here are some tips that would help you to understand more about auto insurance.

1. One of the most important tips that would help you get a discount is to check with your auto insurance agent before buying a car. The value of the car, the cost of maintenance and the likelihood of theft all affects the rates you have to pay. Get to know the policies of your insurance provider before you make a final decision on the car/vehicle to buy.

2. Most insurance companies would give you discounts if you take out more than one insurance policy from them. You can check to find out whether it would be better for you to take out all your insurance policies from one company or if the discount you get from different companies on different policies would make more sense.

3. The deductible is the lowest minimum you have to pay before your insurance policy starts to run. The higher deductible you pay the more discounts you get. What is the highest deductible you can pay? It is always better to pay a higher deductible than lower.

4. Safety devices in your vehicle also qualify you for discounts. But you have to ask for them, most agents may not tell you about it unless you ask for it. Devices like airbags, anti-theft, anti-lock brakes and daytime running lights.

5. Shop around for the best deal! Do not just rely on one quote or one referral. Check out different insurance companies. There are many of them competing for business. So take advantage and save several hundreds of dollars.

Malaysia Insurance, Takaful Company

Takaful is a protection plan based on Shariah principles. By contributing a sum of money to a common takaful fund in the form of participative contribution (tabarru’), you undertake a contract (aqad) to become one of the participants by agreeing to mutually help each other, should any of the participants suffer a defined loss.

Both insurance and takaful have similar basic principles. For instance, the insured, such as yourself, must have a legitimate financial interest in the risk you are insuring, meaning you must suffer a financial loss when the insured event occurs.

You can also buy more than one policy or plan to protect a particular risk but in the event of loss or damage, you can only make one claim. The amount payable will then be contributed by the insurance companies involved. As such, you cannot profit from your general insurance policy or takaful plan. If you suffer a loss, you will be compensated accordingly and no more than that. You will be paid or ‘indemnified’ to the position you were in before the loss. However, if you wish to cover your life, you can buy more than one policy.

Buying life insurance for you and your loved ones helps provide some financial security in times of hardship. The money from your policy will be paid to your loved ones when you pass away or to you should you suffer a total and permanent disability or loss.

Your insurance or takaful contract is a contract of utmost good faith (trust). Thus, you as the policy owner need to disclose all material information required. If any of the relevant material facts are not disclosed, the policy may be invalid and you will not be protected against any loss or damage.

No matter what kind of protection or Insurance you buy, must not lack behind of your major objective to own a Insurance coverage plan. Let's the insurance cover all you needs.

Tags :
Car Insurance, Health Insurance,Insurance, Insurance Life,Life Insurance, Saving and Retirement Plan,Insurance Lifetime Protection

Malaysia's 1st Easiest Online Car Insurance & Road Tax Renewal

Welcome to the first easiest online car insurance and road tax renewal system for
both comprehensive and third party coverage in Malaysia. You can now purchase the automobile protection plan at anytime and anywhere within 3 minutes by using credit cards or online banking service and have the relevant documents delivered to your doorstep by courier. So, experience our easy car insurance renewal now. Click Here

High Paying Adsense Keyword


Google Adsense is still the best Pay Per Click (PPC) advertising program for bloggers. However, many bloggers can not generate high revenue from it because they don’t really care about the keywords. You need the right keywords to get the right ads. Find the highest paying Google Adsense keywords by searching the best keyword selection tools, and use them in your posts. This will eventually increase your Adsense income.

What is a Keyword?

Keywords are the words which people are using on search engines to find things they are looking for. Advertisers always use keywords to advertise on blogs and websites. They buy the keywords via Google Adwords, and display their ads on blogs or websites which are using Google Adsense. The most important part is, the ads appearing on your blog will depend on the keywords you use in your posts.

How To Increase the Adsense Revenue?

Where To Find High Paid Keywords?

You should refer below keyword
selection tools
:

High Paid Keyword Examples

  • health insurance
  • insurance car
  • auto insurance
  • car insurance cheap
  • insurance travel
  • travel insurance

Conclusion:

Believe it or not, there are some keywords paying $70 per click. Targeting high paid keywords is a good way of increasing your Google Adsense revenue. Keyword density is also very important. Do not overuse the high paid keywords in your blog posts. Unfortunately, there’s no golden rule for putting the right number of keywords in a blog post. You’ll have to experiment.

Monday, January 12, 2009

SOCSO Loan 2009

The Social Security Organization provides social security protection by social insurance including medical and cash benefits, provision of artificial aids and rehabilitation to employees to reduce the sufferings and to provide financial guarantees and protection to the family.

SOCSO is the abbreviation for Social Security Organization. It is commonly known in the Malay term as PERKESO or Pertubuhan Keselamatan
Sosial.


One of the benefits, which SOCSO provides for Malaysians is the education benefit, which comes in the form of a loan disbursed out to dependent children who are recipients of a monthly benefit for Dependent's Benefit, Survivor's Pension, children of an employee who are recipients of a monthly benefit of Permanent Disablement and Invalidity Pension

Although this benefit is in the form of a loan, it can, however, be converted into a scholarship if the child obtains excellent result.

SOCSO is offering educational loans, amounting to as much as RM100,000, to children of members who are in receipt of monthly invalidity pensions.

Applicants can also be children of contributors who died while in employment because of injuries, or died before reaching their 55th year. The applicants must be below 21 years of age and pursuing degree, diploma or certificate courses recognised by the Education Ministry.

The borrower is required to repay the loan via monthly instalments once the person has completed the study programme.

Human Resources Minister Datuk Dr S. Subramaniam said that the loan will be converted to a scholarship if the student gets first class honours in the degree programme.

"This loan is only given to deserving students who have done well in their examinations and are admitted to institutes of higher learning," he said, after presenting loan approvals of RM100,000 each for two students currently pursuing their studies in medicine at the Asian Institute of Medicine Science and Technology in Kedah.

Since1997, Socso has given out as much as RM94mil in loans to dependents of Socso contributors who qualifed for the study loan.

For Socso members who are kidney patients, Dr Subramaniam said that Socso would pay a maximum of RM110 for each session of dialysis.

For more information on Socso's study loan, visit www.perkeso.gov.my.

Yayasan Sime Darby Undergraduate and Postgraduate Scholarship Programme

Yayasan Sime Darby is pleased to announce the opening of applications for the Undergraduate and Postgraduate Scholarship Programme - FY 2008/2009.

Scholarships will be offered to individuals pursuing the following fields of study:
• Engineering : Civil, Electrical, Mechanical, Chemical, Computer
• Business : Accountancy, Finance, Business Administration, Computer Science,Information and Communication Technology

• Science : Agriculture, Food Technology, Plantations Technology, Plantation Management, Forestry, BiotechnologyUndergraduate Studies
The requirement for Undergraduate scholarship is as follows:
• SPM (minimum 7 A1s in subjects taken) and any of the following:
o STPM (CGPA of at least 3.5)
o Matriculation/ Diploma (CGPA of at least 3.5)
o ‘A Level’(minimum 3As)
o Australian TER (minimum 90.0)
• Individuals pursuing their first or second year undergraduate studies are also encouraged to apply.

Postgraduate Studies
The requirement for Postgraduate scholarship is as follows:
• Masters Degree. Individuals should have obtained a Bachelors Degree with minimum Second Class Upper (Hons) or equivalent.
• PhD. Individuals should have obtained a “Distinction” / “A” grade in average / or any other equivalent grade in their MastersDegree.
Individuals who are currently pursuing their PhD in their first or second year are also encouraged to apply.

Application
We welcome your online application at http://www.simedarby.com/scholarships.
The portal is open for applications from 15-31 March 2008.
Only online applications will be considered.
Applications should take approximately 45 minutes.
Please read through the scholarship application manual at http://www.simedarby.com/scholarships/manual.aspx before submitting your online application.

Queries
For any enquiries, please refer to the Frequently Asked Questions (FAQ) section at http://www.simedarby.com.scholarships/faq.aspx

Closing Date
Applications are open from Saturday 15th March 2008 and will be closed on Monday 31st March 2008.
Only shortlisted candidates will be notified.

Perbadanan Tabung Pendidikan Tinggi Nasional Malaysia (PTPTN)

Perbadanan Tabung Pendidikan Tinggi Nasional Malaysia (PTPTN) was established to help students gain entry to Higher Level Institutions of Education in Public (IPTA) and Private (IPTS) sector.

This PTPTN Study Loans program was established in 1999 and is mainly focused on students who have gained admission to local universities but are unable to further their studies due to financial constraints.

Applications are only open to students who have gained admission at local universities or private colleges. PTPTN will evaluate the financial background of the applicant's family before approving the application. Decision made by the authority is final. No correspondence will be entertain.
Education Fund Name
Perbadanan Tabung Pendidikan Tinggi Nasional Malaysia (PTPTN)

PTPTN Study Loan Distribution Mechanism:

* Transfer of funds is via the applicant's institute of higher learning-IPT concerned.
* The institute of higher learning-IPT will make the necessary deduction for the fee incurred.
* The remaining funds will be transferred to the applicant's bank account by the institute of higher learning-IPT.

Insurance:

* Applicant is required to subscribe insurance coverage.
* The premium will be made on behalf of the applicant.

PTPTN Study Loan Repayment:

* Monthly installments will include administration cost of 4% based on reducing balance.
* The repayments will commence 6 months after graduation or in the event of securing a career, whichever is earlier.
* Payments have to made via Lembaga Hasil Dalam Negeri (LHDN)
* Other methods of payment will need to be approved by PTPTN.

Medium of Application:

* Application can be made through Bahagian Hal Ehwal Pelajar (HEP) or Students Affair Department in the respective IPT (Institution of Higher Learning.
* Other methods will be determined by PTPTN.


Criterias / Conditions for the PTPTN Study Loan Application: PTPTN will approve application to applicant who fulfill the following:-

* Malaysian citizenship
* Applicant must be a full-time student in his/her first degree program and diploma program as well as in one of the 11 local public institutes of higher learning-IPTA or local private institutes of higher learning- IPTS.
* Applicant who has not receive any other sponsors
* Pass the "Means Test" - evaluation of family's financial ability
* Government servant undertaking half paid / unpaid leave

*All the requirements above are subject to change by PTPTN from time to time.
Total amount of PTPTN Study Loan available: First Degree

* Local public institute of higher learning-IPTA students RM 6500 p.a.
* Local private institute of higher learning - IPTS students RM 16000 p.a.
* IMU students RM 20000 p.a.
* Science stream students will have additional RM500 p.a.(incentive loans not including administration cost)

Diploma

* RM 5000 p.a. for local public institute - IPTA students; applicable for both (arts & science) streams.

Pics Zhang Ziyi naked on beach 2009



Panas .... Gambar bogel Zhang Ziyi di pantai.Paparazzi shot this super hot picture of Zhang Ziyi topless bathing at a private beach on the Caribbean island of St. Barts with her fiance: Israeli investor Viv Nevo.

Antara petikan yang saya jumpa :
  • she doesn't want to expose herself naked like in the "The Banquet" scene above, but...

    or do we have to say: butt

  • she exposes herself in a very similar Zhang Ziyi topless scene with added in some un-tasteful butt squeezing of her boyfriend ...
hahahahah..... very funny. Did you smell.....









Zhang Ziyi is a very popular Chinese actress and was recently named as China’s most beautiful person in 2008 by The Beijing News.

She became internationally known after starring in Ang Lee’s Crouching Tiger, Hidden Dragon. Ang Lee first had famous Taiwanese actress Shu Qi in mind, but after seeing Zhang Ziyi performing in The Road Home, he cast her instead.

Zhang Ziyi was born February 9th, 1980 in Beijing, China. Her father is an economist father and her mother a kindergarten teacher.

Zhang was originally interested in dance and gymnastics. She entered into the dance world at the age of 11 after being accepted to a secondary school affiliated with Beijing Dancing College.
However at the age of 15, Zhang Ziyi opted to act instead of dancing for the rest of her life. She combined both passions gracefully playing a blind dancer in the my favorite movie "House of Flying Daggers":

Pics : Kuching Floods





Thursday, January 8, 2009

Smash.... Christiano Ronaldo wrecked Ferrari in accident


Smash ... Ronaldo's wrecked Ferrari sportscar
Manchester Evening News

CRISTIANO Ronaldo obliterated his Ferrari after losing control of his £200,000 supercar. The lucky Manchester Utd winger escaped without a scratch after the Italian sportscar was smashed to smithereens in a crash early today.

Witnesses said his car was a "mangled wreck" – and police say it is a write-off.
Ronaldo was travelling through a two-lane tunnel at Manchester Airport when he hit the wall – sending parts of the barrier flying across the dual carriageway.

Ronaldo was able to get out of the vehicle himself and was spoken to by police at the scene after the smash at 10.20am.
A witness said: "The front of Ronaldo's car was completely mangled. There was metal all over the road and debris - and we had to dodge our way through it.

“Ronaldo was just standing at the side of the road looking forlorn and bewildered.
“My daughter said to me, 'Oh my God - that's Cristiano Ronaldo!' It's amazing he was okay because his car looked so bad.”

A club spokesman said: “Cristiano was involved in an incident this morning. No other cars were involved.
“He’s fine and is training as normal with the team this morning.”

The crash happened in the tunnel which takes traffic under the airport runways between Wilmslow and Hale.
The red Ferrari was badly damaged in the collision with the front edge of the vehicle completely demolished.
No other vehicle was understood to have been involved.
One of the wheels had come off in the incident and was about 200 yards behind where the vehicle had come to rest.

Wreck ... cops photograph Ferrari

His team-mate, goalkeeper Edwin van der Sar, was reported to have been travelling behind Ronaldo at the time of the crash.
The Ferrari was later loaded on to a recovery truck, covered in a black sheet, as the road was reopened.

The winger came on as a substitute in the final 30 minutes of his team’s 1-0 Carling Cup defeat to Derby County last night.
A Greater Manchester Police spokesman said no-one was injured in the incident.

The spokesman added: “At about 10.20am police were called to the A538 Wilmslow Road near to Manchester Airport following reports of a road traffic collision.

“Officers attended and discovered a Ferrari had collided with a barrier. No one is believed to have been injured. Inquiries are continuing.”

Wednesday, January 7, 2009

Sarawak Higher Education Fund Charitable Trust (HiED)

HiED invites students pursuing courses in Engineering and Quantity Surveying at Institutions of Higher Learning in Sarawak* to apply for a Study Loan.

Details are as follows:
Level of Study

* Certificate (at Politeknik Kuching & Mukah and ICATS only) or;
* Foundation or;
* Diploma or;
* Bachelor’s Degree.

Qualifications of Applicant

* Malaysian citizen domiciled in Sarawak, and/or Sarawakians;
* Should not be a loan or scholarship holder from any other Fund or Sponsor;
* Meet entry requirements and study full-time.

Application Forms

* Application Forms (HiED/Form01) are available at the respective Institutions of Higher Learning or download at www.yayasan.org.my/download2.
* The Forms are also available at HiED Secretariat.
* Completed Application Forms maybe submitted to the respective Institutions of Higher Learning or to the Secretariat at the following address.
Yayasan Sarawak
Secretariat to
Sarawak Higher Education Fund Charitable Trust (HiED)
Lot 4.19, Level 4, Wisma Satok
Jalan Satok
93400 Kuching
Tel: 082-248688

Tawaran Biasiswa Perguruan Persekutuan Program Ijazah Pertama Di Institusi Pengajian Tinggi Awam

Good news for those who want to be a teacher. Tawaran Biasiswa Perguruan Persekutuan Program Ijazah Pertama Di Institusi Pengajian Tinggi Awam is now open for application.

Kementerian Pelajaran Malaysia (KPM) mempelawa calon - calon Ijazah Pertama di Institusi Pengajian Tinggi Awam ambilan November/Disember 2007 dan ambilan Julai 2008 untuk mendapatkan tawaran Biasiswa Perguruan Pesekutuan di bawah KPM.

Syarat - Syarat Permohonan

1. Calon mestilah Warganegara Malaysia.
2. Umur calon tidak melebihi 25 tahun pada 1 Julai 2009.
3. Pegawai Perkhidmatan Pendidikan tidak layak memohon.
4. Pengajian SEPENUH MASA ambilan November/Disember 2007 dan ambilan Julai 2008 Program Ijazah Pertama di Institusi Pengajian Tinggi Awam.
5. Tawaran biasiswa ini dibuka kepada pelajar Fakulti Pendidikan dan pelajar Fakulti Sains yang menawarkan bidang Kimia, Fizik, Biologi dan Matematik. Pelajar Fakulti Sains perlu mengikuti Pengajian Diploma Pendidikan setelah tamat Ijazah Pertama.
6. Calon perlu mendapat sekurang - kurangnya PNGK 2.75 bagi keputusan peperiksaan Semester 1 / Semester 2 Tahun Pertama di IPTA. untuk memohon.
7. Calon yang berkelayakan sahaja akan dipanggil untuk menduduki Ujian Inventori Sahsiah Keguruan (INSAK). Calon yang lulus INSAK akan dipanggil untuk ditemuduga.
8. Calon yang berjaya ditawarkan biasiswa KPM perlu melepaskan tajaan sedia ada.

Permohonan dibuka pada 29/12/2008 dan ditutup pada 30/01/2009.

Untuk memohon, sila klik ke url berikut:

http://apps.emoe.gov.my/ijazah1/
Here is the beginning of my post. And here is the rest of it.

PDRM Mitsubishi Evolution X spyshot

PDRM has bought 25 Mitsubishi Evolution X as their patrol car.

Based on this photo, we believed that we don’t have to wait long to see this on the road. If this become reality, PDRM will join very few police in the world to use Evolution X.

Shell Scholarship 2009

The Shell Malaysia Scholarship Awards are now open for application. The scholarship is awarded to Malaysian students for pursuing full-time undergraduate studies (1st degree course) tenable at recognized universities in Malaysia or overseas, and Pre-University studies in Malaysia.

In addition, Shell also awards 2 scholarships to study Msc in Geoscience with Universiti Teknologi Petronas.

Eligibility

Diploma, matriculation, STPM, ‘A’ level and SPM/ O’ Level students who meet the following criteria are eligible to apply for the Shell Malaysia Scholarship Awards:

Excellent academic achievement with emphasis in English
Demonstration of leadership skills through active participation in extra-curricular
activities. e.g. societies and clubs, sports, etc.
Strong academic record and realistic expectation of a high CGPA or its equivalent

Preferred disciplines for scholarships include:

Engineering (Petroleum, Chemical, Electrical and Mechanical)
Sciences (Geosciences, Chemistry and Physics)
Business Administration / Economics
Finance & Accounting
IT (includes Business/ Management IT)
Master of Science (MsC) in Geosciences
Candidate must posses a good Honours Degree or equivalent in the relevant field from a recognized university.

Language Requirements
Applicants who are Malaysian citizens must possess a credit in Bahasa Melayu at the Sijil Pelajaran Malaysia (SPM) level or an equivalent qualification. Foreign and local students are required to have English proficiency in both written and spoken by the meeting one the following requirements:

Minimum TOEFL score of 550 OR
Minimum IELTS score of 6.0 OR
Minimum ELTS score of Band-6 OR
Minimum MUET score of Band-4.

Applicants who are native English speakers or holding a degree with English as the medium of instruction may be exempted from this requirement.

How to apply

All applications must be submitted online. Please submit your application before April 30th 2009.

Apply Now for the Shell Malaysia Scholarship programme
Interview is compulsory.
Only shorlisted candidates will be notified.
Incomplete Application Form and late submission will be rejected.

For further enquiries, please email to scholarships@shell.com

The Honda Dream Fund Scholarship 2009


The Honda Dream Fund is a community project under the Honda Global Philanthropyinitiative. In partnership with the United Nations Development Programme, the project provides underprivileged youths with a full scholarship to pursue higher education or skills training in Malaysia. Since its inception in 2007, a total of 40 scholarships have been awarded.
You are eligible to apply for a scholarship …

* If you are between 17 to 24 years old
* Come from a family with a combined household income of RM1,500 or less
* Medically fit and currently not receiving any financial aid

What do you need to do?

In 500 words or less, please complete the essay below on an A4-size paper:

“Honda Dreams Fund is the opportunity I have been waiting for to realize my dreams. Since I was young, I was always aspired to be ..”

Please attached a photocopy of the following documents

1. NRIC
2. Certified true copy of Sijil Pelajaran Malaysia (SPM) and/or Sijil Tinggi Pelajaran Malaysia (STPM)
3. School leaving certificate (if any)
4. Other qualifications (if any)
5. Testimonials/ referees (from schools/NGOs/Homes)
6. EA Form/ J Form or any other form that verifies income (if any)

Please send the completed application form, your essay and all relevant documents to

Honda Dreams Fund

“Human Resource Development through Education

and Training for Malaysian Youth” Project

P.O Box 12544

50782 Kuala Lumpur, Malaysia

Or

Email it to hdfessay{@}undp.org (without the { })