Isnin, 7 Jun 2010

Ditribution 2010

Distribution 2010

* Fund total return includes both realized & unrealized gains/losses.

** Distributions can only be paid out of realized gains which include net capital gains on disposal of stocks, & dividends & interest received.

Distribution yield is generally higher among the moderate funds especially in the case of Public Dividend Select Fund which aims to provide steady recurring income by investing in stocks which offer or have the potential to offer attractive dividend yields.

Another reason for the very attractive gross distribution yield of 11.9% calculated above for Public Dividend Select Fund is due to its lower Net Asset Value on 1 June 2010 after the recent market drops due to the EU financial crisis. This means that this is a good opportunity to get more units if u invest NOW. Eventually, when u need cash flow income in your retirement, dividend type of funds will be most suitable & the more units u have, the more distributions u will receive as distributions are paid on units

U will also note that some funds have higher distributions than returns. Distributions are paid out of gains realized throughout the financial year whereas returns are based on a beginning date & an end date, & if the end date value is lower than the beginning date value, the return will show a loss. The fund manager has the discretion to pay distributions or retain the realized gains to offset the unrealized losses & they will act according to their fund management principles & strategies.

Pls do let me know if u or your elderly friends / parents / uncles aunts (who are living on their FD interest which is currently only about 2.75%) would like to invest for distribution yields. (Distributions can be paid out annually to investors if they so choose.) The above yields on the dividend & bond funds show that this is a good time to invest into these funds as u will get more units which will in turn give u more distributions later.

Jumaat, 8 Januari 2010


Memandangkan ramai yg masih tidak tahu basic pasal OD-ASB, dibawah ni sy listkan soklan2 lazim dan juga jawapan ringkas. Sebenarnya tools ini lebih baik dari penggunaan kredit kad…disamping kita melabur di ASB…tapi untuk panduan ringkas, terutama kepada newbie dlm OD, boleh rujuk list dibawah.

Q: OD tu ape?

A: Singkatan bagi Overdraft. Facility dimana bank membenarkan pengeluaran wang melebihi had yg dibenarkan, iaitu menjadi negative balance = overdrawn. Interest akan di-caj keatas jumlah overdrawn dan dikira berdasarkan daily rest. Urusan boleh dibuat melalui ATM, buku cek atau online banking…dari segi urusan, takde beza dgn account bank yg biasa.

Q: Bagaimana nak apply OD-ASB?

A: Simpanan dalam ASB/ASW ditukar ke sjil di pejabat PNB. Bawa sijil ke bank panel PNB (RHB/CIMB/Maybank) dan apply Overdraft bersandarkan sijil ASB/ASW.

Q: Selepas tukar duit simpanan ASB/ASW ke sijil, duit simpanan tu dah tak tercatat dlm buku ASB/ASW?

A: Memang tak tercatat dlm buku. Tapi dlm sistem masih ade dan dividen tetap dikira. Sama mcam loan ASB la.

Q: Ape caj-caj(fees) yang terlibat?

A: Caj tukar sijil di PNB adalah RM10/sijil (dulu punye rate…kalau dh berubah, sila bgtau ye)…bile dpt approval dari bank, caj apply OD kat bank plak dari RM150 (bergantung kepada bank)…dan deposit untuk bukak current account Overdraft antara RM50-1,000 (bergantung kepada bank)

Q: Berapa lama proses untuk dapat duit OD?A: Selepas tukar sijil, apply OD di bank. Ambil masa 3 hari – seminggu untuk lulus (bergantung kepada rekod kewangan anda dan efficiency bank). Selepas dpt approval dan buka account OD, ambil masa 2 minggu – sebulan untuk duit masuk (disburse) ke account OD. Bab ni perlukan masa sebab bank perlu berurusan dgn PNB psl kite cagarkan sijil ASB/ASW.

Q: Bagaimana nak kira interest OD?

A: Interest OD adalah daily rest. Cth bank tawarkan interest OD pada BLR-1% p.a./setahun, current BLR = 5.55%. Oleh itu, interest bagi satu hari = 4.55%/365 = 0.0125%. Bermakna, penggunaan sebanyak RM10k bagi sehari akan dikenakan int sebanyak 0.0125% x 10,000 = RM1.25.Kalau tak topup balik RM10k tu dlm masa 30hari, secara ringkas, jumlah int = RM37.5 (tapi sebenarnya, int setiap hari tu akan dibawa ke hari seterusnya dan akan jadi principal pula utk kiraan pada hari tersebut…tapi beza dgn kiraan congak amat ignore pun takpe) Untuk lebih detail camne nak kira, rujuk OD calculator dlm BH ni.

Q: Bagaimana nak bayar interest OD?

A: Interest setiap hari akan dicampurkan bagi satu bln, dan bayaran bagi sebulan interest itu akan ditolak dari available balance dlm acc OD. Tarikh deduction biasanya pada akhir bln (bergantung pada bank). Cth, acc OD asal = 15k, guna 10k untuk sebulan, maka outstanding balance=10k, avalaible balance = 5k, jumlah int sebulan = RM37.5….maka, pada bln seterusnya, outstanding balance=10,037.50, available balance = 5k-37.5=RM4,962.5

Q: Boleh ke apply OD guna sijil dari ASB wife?
A: Tidak. Nama pemohon acc OD mestilah sama dgn nama di sijil ASB/ASW

Q: Apa dokumen yang perlu untuk apply OD?
A: Copy sijil ASB, copy IC, slip gaji dan lain2 dokumen yg diperlukan bergantung kepada bank (dulu bawak sijil dan IC je dah boleh apply)

Q: Kalau rekod CCRIS tak cantik, atau ade CTOS, boleh ke apply?
A: Proses permohonan sama macam loan2 lain. So most probably akan sangkut.

Q: Ade tak fee bulanan/tahun yg bank kenakan keatas account OD?
A: Cth mcm RHB, tiada fee tahunan. Cuma ade fee bulanan, iaitu interest dari outstanding balance atau RM5, whicever is greater. CIMB pun sama kalau tak silap.


1. Every person has cancer cells in the body. These cancer cells do not show up in the standard tests until they have multiplied to a few billion. When doctors tell cancer patients that there are no more cancer cells in their bodies after treatment, it just means the tests are unable to detect the cancer cells because they have not reached the detectable size.

2. Cancer cells occur between 6 to more than 10 times in a person's lifetime.

3. When the person's immune system is strong the cancer cells will be destroyed and prevented from multiplying and forming tumors.

4. When a person has cancer it indicates the person has multiple nutritional deficiencies. These could be due to genetic, environmental, food and lifestyle factors.

5. To overcome the multiple nutritional deficiencies, changing diet and including supplements will strengthen the immune system.

6. Chemotherapy involves poisoning the rapidly-growing cancer cells and also destroys rapidly-growing healthy cells in the bone marrow, gastro-intestinal tract etc, and can cause organ damage, like liver, kidneys, heart, lungs etc.

7. Radiation while destroying cancer cells also burns, scars and damages healthy cells, tissues and organs.

8. Initial treatment with chemotherapy and radiation will often reduce tumor size. However prolonged use of chemotherapy and radiation do not result in more tumor destruction.

9. When the body has too much toxic burden from chemotherapy and radiation the immune system is either compromised or destroyed, hence the person can succumb to various kinds of infections and complications.

10. Chemotherapy and radiation can cause cancer cells to mutate and become resistant and difficult to destroy. Surgery can also cause cancer cells to spread to other sites.

11. An effective way to battle cancer is to STARVE the cancer cells by not feeding it with foods it needs to multiple.
What cancer cells feed on:
a. Sugar is a cancer-feeder. By cutting off sugar it cuts off one important food supply to the cancer cells. Note: Sugar substitutes like NutraSweet, Equal, Spoonful, etc are made with Aspartame and it is harmful. A better natural substitute would be Manuka honey or molasses but only in very small amounts. Table salt has a chemical added to make it white in colour. Better alternative is Bragg's aminos or sea salt.
b. Milk causes the body to produce mucus, especially in the gastro-intestinal tract. Cancer feeds on mucus. By cutting off milk and substituting with unsweetened soy milk, cancer cells will starved.
c. Cancer cells thrive in an acid environment. A meat-based diet is acidic and it is best to eat fish, and a little chicken rather than beef or pork. Meat also contains livestock antibiotics, growth hormones and parasites, which are all harmful, especially to people with cancer.
d. A diet made of 80% fresh vegetables and juice, whole grains, seeds, nuts and a little fruits help put the body into an alkaline environment. About 20% can be from cooked food including beans. Fresh vegetable juices provide live enzymes that are easily absorbed and reach down to cellular levels within 15 minutes t o nourish and enhance growth of healthy cells.
To obtain live enzymes for building healthy cells try and drink fresh vegetable juice (most vegetables including bean sprouts) and eat some raw vegetables 2 or 3 times a day. Enzymes are destroyed at temperatures of 104 degrees F (40 degrees C).
e. Avoid coffee, tea, and chocolate, which have high caffeine. Green tea is a better alternative and has cancer-fighting properties. Water--best to drink purified water, or filtered, to avoid known toxins and heavy metals in tap water. Distilled water is acidic, avoid it.

12. Meat protein is difficult to digest and requires a lot of digestive enzymes. Undigested meat remaining in the intestines will become putrified and leads to more toxic buildup.

13. Cancer cell walls have a tough protein covering. By refraining from or eating less meat it frees more enzymes to attack the protein walls of cancer cells and allows the body's killer cells to destroy the cancer cells.

14. Some supplements build up the immune system (IP6, Flor-ssence, Essiac, anti-oxidants, vitamins, minerals, EFAs etc.) to enable the body's own killer cells to destroy cancer cells. Other supplements like vitamin E are known to cause apoptosis, or programmed cell death, the body's normal method of disposing of damaged, unwanted, or unneeded cells.

15. Cancer is a disease of the mind, body, and spirit. A proactive and positive spirit will help the cancer warrior be a survivor.
Anger, unforgiving and bitterness put the body into a stressful and acidic environment. Learn to have a loving and forgiving spirit. Learn to relax and enjoy life.

16. Cancer cells cannot thrive in an oxygenated environment. Exercising daily, and deep breathing help to get more oxygen down to the cellular level. Oxygen therapy is another means employed to destroy cancer cells.

Rabu, 16 Disember 2009

Budget 2010 Personal Income Tax Changes

For your update, below please find Budget 2010 Income Tax Changes that is relevant to individuals :

1) Maximum Tax Rate for chargeable income exceeding RM100,000 be reduced from 27% to 26% Effective Date : YA 2010

2) Personal Relief be increase from RM8,000 to RM9,000 Effective Date : YA 2010

3) Relief on Contribution to EPF & Life Insurance be increase from RM5,000 to RM6,000 The Additional RM1,000 relief is given soly in respect of annuity scheme premiums paid to insurance companies contracted with effect from 1 January 2010. It is also applicable to additional premuims paid on existing annuity schems where payment commenced from 1 January 2010. Effective Date : On or After January 2010

4) Individual who pay for their own broadband subscription fees be given tax relief on broadband subscription fees up to RM500 per year.

For those who wish to claim the RM500 Broadband Relief, please make sure the Broadband's billing is under the Taxpayer's name and the payment made is either by Cash or If it is by using Credit Card, it must be charged to the Taxpayer own credit card. Otherwise it would not be allowed for deduction.

With the knowledge of above Income Tax Chan ges, you may start doing your Tax planning for Year 2010 in order you may fully utilise the Tax Relief given.

For those who are not really clear on Persoanl Relief entitlement for each individual, below please find the list of Personal Relief which is applicable for YA 2009 :

- RM8,000 Personal Relief

- RM5,000 Medical expenses for Parents

Parents medical bills or receipt to keep (even accepted Pharmacy Receipt)

- RM5,000 Medical expenses for taxpayer, spouse and children on serious diseases

* RM500 Complete Medical Examination Expenses (RM500 Limit sharing the RM5,000 Limit for serious diseases Medical Expenses)

- Disbale Person (further deduction)

* Own RM5,000

* Spouse RM2,500

- RM5,000 Supporting equipment for Disable Person, spouse, children or parent

- RM3,000 Wife/Husband Relief if she has no source of income or elects for combined assessment

- Child Relief (claimed by either husband or wife)

* RM1,000 per child (below 18 years of age)

* RM5,000 per disbale child (unmarried)

* RM4,000 oer child (above 18 years of age who is studying full time)

@ Overseas University, colleges or similar establishments

@ Local University , colleges or similar establishments

- RM6,000 EPF & Life insurance premium

- RM3,000 Education or Medical premium

- RM1,000 Annuity premium on annuity purchased through EPF Annuity Scheme

- RM5,000 Fees for acquiring technical, vocational, industrial, scientific,

technological, law, accounting, Islamis financing, skills or qualifications at tertiary level or any course of stury at post graduate level

- RM1,000 Purchase of books, journal, magazines and other similar publications

(excluding newspaper or banned publications) for the use of taxpayer, spouse or children To keep receipt for the purchase of any book or magazines except newspapers

- RM3,000 Purchase of Computer (Given once in three years)

- RM3,000 Net amount deposited into Skim Simpanan Pendidikan Nasional for child Instead of saving in normal Kids Saving A/C, you may save in SSPN A/C in order to

utilise the RM3,000 Relief.. You may start to save now but before 31 Dec 2009 in order to qualify for the Relief.

- RM300 Purchase of sports equipment (Not include attire and shoes)

To keep receipt for the purchase of sport equipment

- RM10,000 Interest paid on housing loans for 3 Consecutive Years (S&P singining between 10 Mac 2009 to 31 Dec 2009)

Hope the above is helpfull to you All. Thank you !

Rabu, 18 November 2009

Takaful Health

Prudential BSN Takaful (PruBSN) introduced its latest medical plan, the Takaful Health, a "first" for the Takaful industry in Malaysia with its annual No Claim Bonus (NCB).
A Quick Look at PruBSN’s Takaful Health Key Benefits
• COMPREHENSIVE coverage for hospitalization and surgery bills
• Option to WAIVE annual claim limit
• AFFORDABLE selection of medical plans
• Coverage of up to AGE 70 or AGE 80

Selasa, 6 Oktober 2009

Bagaimana ingin memilih syarikat insurans dan ejen insurans?

How to choose the best insurance company?

1. Ask your relatives or best friends.

Get their feedback why they sign up for the company. If their answer because the agent is their friend. Hence the reason not valid.The good reason is like, they have done research and comparison and this X company gives the best benefits with the cheapest premiums.Or, they searched on internet what is no. 1 insurance in Malaysia and decided to have it.

2. Ask their experience regarding protection and claim.

If your friends and relatives promoting any particular brand of insurance. Ask them how the claim experience. Easy or just OK.It is not valid if they never made any claim or been hospitalized and covered by the company.

3. Ask nurse or doctor at your favorite clinic.

Ask them what is the best. And please don't forget to ask why. Their answer is with credibility as they are working in medical and treatment industry.

4. Find out which insurance company accepted at your nearest private hospital.

Go to your nearest private hospital and ask them which insurance company accepted here. There will be a list of insurance company accepted. Please ask which one they prefer.

5. Do own research

You may collect information by internet or refer yourself to Life Insurance Association of Malaysia (LIAM).

Please seek an advice from them.

How to find a good insurance agent for yourself?

1. Make sure the agent based nearby. (eg Klang Valley)

You may get him for any queries and emergency easier.

2. Make sure the agent is lot younger than you.

Agent will help you for all the claim process and hospitalization documentation. If you are 28 year old now and your agent is 44 years old. With logic, your agent maybe leaving this world before you, your agent will have illness before you and your agent will retired soon. Then you will have no agent to help you.

3. If you have any preferred insurance company, please do an appointment with at least 2 insurance agent from the same company.

Please don't blindly trust the agent which recommended by friends or relatives. You do have an option to seek an advice from the thousands of agent out there.From this exercise, you will notice the level of knowledge from the both agent and you know which one you will decide to sign up with.

4. The agent must have time for you.

If the agent meet you for an appointment and he said he just have one hour for you for the presentation and he have another appointment afterward. This is not a good agent.

The agent must have time for you as you need to understand a lots of information before you can sign up for an insurance. One hour is not enough. Having next appointment and just allocate little time for you showing that he has no respect for you.

Rabu, 19 Ogos 2009

H1N1 di Tempat Kerja


Panduan ini dikeluarkan berikutan, keputusan Kerajaan Malaysia yang akan melaksanakan 10 langkah lebih ketat menangani penularan influenza A (H1N1) setelah didapati wabak ini mula dijangkiti oleh rakyat tempatan. Manakala wabak ini diishtiharkan di frasa 6 dan sebagai global pandemic pada 11 Jun 2009 oleh Pertubuhan Kesihatan Dunia (WHO).Kerajaan mewajibkan semua pelancong asing dan rakyat Malaysia yang baru balik dari kawasan atau negara yang terdapat kes influenza A (H1N1) mengisi borang pengishtiharan status kesihatan di semua pintu masuk ke Negara ini. Kegagalan mengishtihar status kesihatan boleh dipenjara dua tahun atau denda RM 2,000 atau kedua-duanya mengikut Akta Pencegahan dan Kawalan Penyakit Berjangkit 1988.Sehubungan itu, Jabatan Keselamatan Dan Kesihatan Pekerjaan, Kementerian Sumber Manusia (KSM) menyeru majikan dan pekerja bersama mencegah penularan penyakit ini dengan mengikut garispanduan yang disediakan ini.Majikan dan pekerja dapat membantu mengawal penularan wabak ini di tempat kerja dengan melaksanakan tanggungjawab sosial masing-masing. Tindakan sewajarnya seperti berikut perlu diambil terutama sekali bagi majikan yang membawa masuk pekerja atau mempunyai pekerja yang akan/baru pulang dari Negara-negara yang telah dilanda wabak H1N1:

1. Pihak majikan dinasihatkan agar menjalankan penyaringan kesihatan yang rapi ke atas pekerja / vendor / pelanggan yang baru tiba/pulang dari luar Negara sebelum memasuki premis tempat kerja. Untuk tujuan ini majikan digalakkan menyaring pekerja/vendor/pelanggan tersebut dengan menggunakan borang Deklarasi Kesihatan (disertakan dalam lampiran) seperti yang digunakan oleh Kementerian Kesihatan;

2. Menasihati pekerja terlibat agar mengurangkan perhubungan social di antara ahli keluarga mahu pun masyarakat setempat dalam jangka masa 7 hari ketibaan mereka dari luar Negara;

3. Memantau para pekerja (dalam masa 7 hari ketibaan) sama ada mengalami simptom berikut :

a. Demam panas (lebih daripada 38o C)

b. Sakit tekak

c. Batuk

d. Sakit anggota badan

e. Selesema

f. Sakit kepala

g. Mudah merasa penat/letih.

4. Para pekerja yang didapati mengalami simptom di atas dikehendaki memakai topeng muka (surgical mask) dan berhubung dengan hospital seperti yang tersenarai dalam lampiran, agar pihak hospital dapat mengatur pemindahan kes ke hospital dengan SEGERA.

5. Sekiranya bersesuaian, pekerja yang baru tiba dari luar Negara diasingkan penempatannya dalam masa 7 hari ketibaan mereka;

6. Memastikan persekitaran kerja yang bersih bagi meminimumkan penularan wabak H1N1 termasuklah melakukan disinfeksi di tempat-tempat umum;

7. Memastikan pekerja diberi penerangan agar memelihara kebersihan diri yang tinggi seperti basuh tangan dengan air dan sabun terutama selepas bersin dan batuk ;

Majikan dan juga pekerja adalah juga diingatkan bahawa mereka WAJIB menghubungi hospital seperti tersenarai dengan kadar segera (dalam tempoh 24 jam) jika mengetahui atau terdapat pekerja mereka telah berhubung/kontak dengan pesakit influenza A (H1N1).Maklumat dan status penularan Influenza A (H1N1) boleh didapati di Portal Kementerian Kesihatan Malaysia,