improper PPEKhamis, 6 November 2008
Safety and Health Officer
Safety Officers (With Red triangle mark on their Safety Helmet) Giving Safety Talk During Toolbox MeetingKepada rakan yang berminat utk jadi safety officer berikut ada maklumat yang aku tampalkan ut rakan-rakan sekelian semoga ini dapat anda jadikan rujukan
Toolbox meeting is part of daily routine for Offshore Oil & Gas Workers. Main reason is to identify hazard and to ensure all safety pre-cautions are in place before and during execution of works. Safety officer is also another interesting jobs. For those who are interested to become one, below are the safety officer roles, responsibilities and qualifications.
Roles and Responsibilities
Assist Management in developing and implementing their HSE plans and advise on operatinal safety matters related to the works.
Co-ordinate and conduct inspections/audits of facilities and activities to ensure compliance to safe and good work practices in accordance to statutory requirement of the Factories and Machinery ACT and all safety Procedures.
Have the ability to communicate in written and spoken English & Local language.
Give safety presenation with the objective to enhance the Health, safety and Environment awareness of all workers.
Assist in accident investigation, reporting and important their follow up in accordance to safety procedures.
Assist Management in developing and implementing their HSE plans and advise on operatinal safety matters related to the works.
Co-ordinate and conduct inspections/audits of facilities and activities to ensure compliance to safe and good work practices in accordance to statutory requirement of the Factories and Machinery ACT and all safety Procedures.
Have the ability to communicate in written and spoken English & Local language.
Give safety presenation with the objective to enhance the Health, safety and Environment awareness of all workers.
Assist in accident investigation, reporting and important their follow up in accordance to safety procedures.
Qualifications
Must have 5 years working experience in Supervisory position in the related field of oil and gas industry.
Must possess a recognized Diploma in an engineering discipline or a recognized Diploma in Occupational Safety and Health (OSH) or completed training and assessment by National Institute of Occupational Safety & Health (NIOSH) and have a minimum of 3 years experience working in OSH or minimum 10 years working experience in OSH.
Must have attended the following local safety courses conducted by Safety Training Institution:
Supervisory Safety
Accident Investigation Skill
First Aider
Basic Fire Fighting and BA
Must have attended the following local courses relevant to their operation:
Sea Survival.
Crane & lifting operation.
Scaffolding inspection
Permit to Work Authorized Gas Tester Certification Course.
Helicopter Landing Officer (HLO)
Must posses knowledge and skill on:
Hazard and effect Management Process/Risk Management
HSE cases
Emergency response
Law, Regulation & Permits
HSE Auditing
Pelan Takaful
Anda boleh memilih Pelan yang bersesuaian dengan keperluan anda dari segi perlindungan simpanan dan kemampuan. Pelan yang terbaik adalah Pelan yang kita bayar secara berterusan sehingga tempoh matang. Walaupun kita mempunyai pelan Takaful dengan caruman yang tingi, tapi kita tidak membuat caruman dengan kosisten sehingga menyebabkan polisi lapsed, ia bukanlah pelan yang bagus. Pelan yang bagus adalah Polisi yang sentiasa aktif, dan bukannya lapsedBerikut adalah senarai pelan yang mungkin anda boleh pilih mengikut keperluan anda.
Oleh kerana Pelan Takafulink / Takafulink Cerdik ini fleksible (boleh diubah-ubah mengikut keperluan dan kehendak pelanggan) saya telah bahagikan contoh pelan kepada beberapa bahagian.
- Takafulink (Pelan Dewasa)
- Takaful Cerdik (Pelan Pendidikan)
sekiranya anda ingin mendapatkan pelan berdasarkan maklumat diri anda. Ini kerana setiap pelan yang ditawarkan adalah bergantung kepada jantina, umur, pekerjaan, keadaan kesihatan dan merokok atau tidak.
Contoh Plan
TAKAFULINK (PELAN DEWASA)
1. High Protection / Low Investment
Maklumat Peserta
LelakiUmur 30 tahun
Tidak merokok
Bekerja di pejabat
Caruman Bulanan : RM 100
Kematian / TPD : RM 10,000
Medical Card : RM 150,000 (hingga umur 70 tahun) dan RM 50,000 setahun
Elaun Hospital : RM 300 sehari
Elaun ICU : RM 100 sehari
Elaun Bedah : Maksimum RM 2,500 / bedah *bergantung kepada kadar keseriusan
Nilai Tunai Pelaburan selepas 30 tahun : RM 19,000*
TAKAFULINK CERDIK (PELAN PENDIDIKAN)
Maklumat Pembayar
- Lelaki
- Umur 30 tahun
- Tidak merokok
- Bekerja di pejabat
Maklumat Anak
- Lelaki, berumur 1 tahun
- Caruman Bulanan : RM 100
Kematian / Lumpuh Kekal Keseluruhan(TPD) : RM 20,000
36 Jenis Penyakit Kritikal : RM 10,000
Kemalangan (mati/TPD) : RM 40,000
Kecacatan akibat kemalangan : Berdasarkan % daripada manfaat Kemalangan.
Bayaran balik caj perubatan (kemalangan) : N/A
Medical Card : RM 150,000 (hingga umur 25) dan RM 50,000 setahun.
Elaun Hospital : RM 300 sehari
Elaun ICU : RM 100 sehari
Elaun Bedah : Maksimum RM 2,500 / bedah *bergantung kepada kadar keseriusan.
Elaun Lumpuh : RM 1,200 setahun
Manfaat caruman PERCUMA sekiranya anak atau pembayar mengidap salah satu daripada 36 jenis penyakit kritikal, atau pembayar meninggal dunia atau lumpuh kekal keseluruhan. Simpanan akan disambung oleh PruBSN sehingga umur 25 atau meninggal dunia yang mana lebih dahulu.
Nilai Tunai Pelaburan pada umur 25 tahun : RM 21,452
berminat hubungi saya..
hazri 0142554171
8 Golden Rules of Investing
8 Golden Rules of Investing (for investor):
Do not borrow to invest.
Do not invest all your money.
Do not invest money u need soon.
Do not get emotional & panic.
Keep investing & stay invested.
Diversify.
Do take professional advice.
Do give your investments time to grow
Do not borrow to invest.
Do not invest all your money.
Do not invest money u need soon.
Do not get emotional & panic.
Keep investing & stay invested.
Diversify.
Do take professional advice.
Do give your investments time to grow
GOLDEN RULES OF INVESTING IN UT’s
Investor’s Investment Objective Eg of investment objectives: retirement, children’s higher education, better returns than FD (currently 3-3.5% p.a) & inflation (currently 7-8% p.a). Investment objective is the 1st Golden Rule becoz it is the most important. Without objective, we do not understand why we are investing & we will be easily swayed astray by market conditions (whether rising or falling), rumours, & other influences. Even with an objective, we have to remind ourselves constantly. Refer to Golden Rule No 5 to quantify.
Objective must be a SMARTER one, ie.
S pecific (eg. MY retirement, my son Jonathan’s university degree in medicine in a UK university)
M easurable (how much in future value do I need, taking into account inflation, exchange rate, etc)
A chievable (taking into account investor’s present needs & means, can he afford it)
R ealistic (within his means of achieving, not out of this world eg. to be a billionaire or trillionaire, ha ha)
T ime-bound (must have a deadline when they need the money-pls see Golden Rule No 2)
E lastic (flexible-see Golden Rule No 6)
R ecorded (written down)
Medium- To Long-Term Investment Time Horizon (MINIMUM 3-5 Years)
NEVER invest money required in the short-term ie. less than 3 years & do NOT expect above average returns in less than 3-5 years.
Invest Regularly/Repeatedly For DCA (dollar-cost-averaging) Never invest ALL your money ALL AT ONCE. & have separate pools for short-term goals & medium-to-long term goals & NEVER invest emergency funds or money needed in the short-term into investments that may go up & down.
Investor’s Risk Profile - Aggressive, Moderate, Conservative Select funds according to the investor’s risk profile: can be a combination of funds if amount is substantial eg. an aggressive investor may choose 3 funds: 2 aggressive funds & 1 moderate fund (the key is asset allocation). Refer to ACE Planners’ Fund Profiles (attached herewith) to shortlist the suitable funds & then refer to fund Prospectus & Quarterly Fund Review for more detailed info to select the fund.
Expected Returns - In % p.a. & RM In line with Golden Rule No 1 (objective), the AMOUNT required to achieve the objective must be quantified (using our FP Worksheets, FPAdvisor or Pocket Calculator). The expected % return p.a. should be realistic. For unit trust investments, an average annual return of 8-12% over the medium- to long-term (Golden Rule No 2) is highly achievable (definitely beats current inflation!).
Review Regularly & Rebalance If/When Objective/Time Horizon/Risk Profile Change During the course of the investment time horizon (Golden Rule No 2), consultant should review the investments with the investor. Suggested frequency is 1-2 times a year. Rebalancing is absolutely necessary when risk profile change therefore reallocation to the appropriate funds of the same risk profile as the investor (Golden Rule No 4). Rebalancing is also absolutely necessary when time horizon reaches less than 3-5 years by which time all or most of the investments should be switched to bond or money market funds
Objective must be a SMARTER one, ie.
S pecific (eg. MY retirement, my son Jonathan’s university degree in medicine in a UK university)
M easurable (how much in future value do I need, taking into account inflation, exchange rate, etc)
A chievable (taking into account investor’s present needs & means, can he afford it)
R ealistic (within his means of achieving, not out of this world eg. to be a billionaire or trillionaire, ha ha)
T ime-bound (must have a deadline when they need the money-pls see Golden Rule No 2)
E lastic (flexible-see Golden Rule No 6)
R ecorded (written down)
Medium- To Long-Term Investment Time Horizon (MINIMUM 3-5 Years)
NEVER invest money required in the short-term ie. less than 3 years & do NOT expect above average returns in less than 3-5 years.
Invest Regularly/Repeatedly For DCA (dollar-cost-averaging) Never invest ALL your money ALL AT ONCE. & have separate pools for short-term goals & medium-to-long term goals & NEVER invest emergency funds or money needed in the short-term into investments that may go up & down.
Investor’s Risk Profile - Aggressive, Moderate, Conservative Select funds according to the investor’s risk profile: can be a combination of funds if amount is substantial eg. an aggressive investor may choose 3 funds: 2 aggressive funds & 1 moderate fund (the key is asset allocation). Refer to ACE Planners’ Fund Profiles (attached herewith) to shortlist the suitable funds & then refer to fund Prospectus & Quarterly Fund Review for more detailed info to select the fund.
Expected Returns - In % p.a. & RM In line with Golden Rule No 1 (objective), the AMOUNT required to achieve the objective must be quantified (using our FP Worksheets, FPAdvisor or Pocket Calculator). The expected % return p.a. should be realistic. For unit trust investments, an average annual return of 8-12% over the medium- to long-term (Golden Rule No 2) is highly achievable (definitely beats current inflation!).
Review Regularly & Rebalance If/When Objective/Time Horizon/Risk Profile Change During the course of the investment time horizon (Golden Rule No 2), consultant should review the investments with the investor. Suggested frequency is 1-2 times a year. Rebalancing is absolutely necessary when risk profile change therefore reallocation to the appropriate funds of the same risk profile as the investor (Golden Rule No 4). Rebalancing is also absolutely necessary when time horizon reaches less than 3-5 years by which time all or most of the investments should be switched to bond or money market funds
Pelaburan dalam Unit Amanah
Mengenai pelaburan di dalam unit amanah, sememangnya dapat menjana pendapatan pasif yang lumayan. Ini bergantung kepada cara anda melabur dan tujuan pelaburan anda. Sebagai permulaan,anda hendaklah mengetahui profil pelaburan anda. Adakah anda aggresif, sederhana atau rendah apabila berhadapan dengan risiko kewangan?Selain itu, anda hendaklah menetapkan tujuan pelaburan anda. Antara contoh objektif pelaburan ialah pencen, pelajaran anak-anak, memiliki rumah dan lain-lain.Setelah menetapkan kesemua tersebut untuk diri anda. Tiba masa untuk anda memilih syarikat yang menguruskan unit amanah. Sama ada kerajaan mahupun swasta. INGAT! profil dan objektif pelaburan juga mempengaruhi pemilihan syarikat dan juga dana-dana amanah.Memilih Dana Unit Amanah :a. Pilih dana yang sesuai dengan kehendak simpanan anda.b. Membuat penilaian ke atas harga dana semua syarikat unit amanahc. Memeriksa sama ada had-had pelaburan, kekerapan bayaran-bayaran pendapatan, dan sebagainya, adalah sesuaid. Menyemak prestasi dana yang lalu Kebaikan Pelaburan Dana Unit Amanah ialah :a. Pengurusan yang profesional dengan kos yang murahb. Selamat melalui imbangan risiko (kepelbagaian)c. Kecairan - mudah untuk tunaikan pelaburand. Urus niaga yang mudahe. Kenaikan nilai modal / aliran pendapatan Bagaimana untuk melabur :a. Sekali gusb. Simpanan tetapc. Skim Pelaburan KWSPSyarat untuk melabur :a. Jangan melaburkan kesemua wang andab. Jangan laburkan duit yang anda perlukan di kemudian haric. Jangan meminjam untuk melaburd. Jangan terlalu beremosie. Pelbagaikan pelaburan andaf. Terus melaburg. Ambil nasihat professional - Unit Trust Consultant yang berdaftar dengan FMUTM.
sesapo nak invest kuar duit EPF atau Cash boleh telefon saya..
HAZRI ISHAK
Nick : hazri99
contact no: 013-3055516
eMail: hazri99@yahoo.com.sg
YM id: hazri03
Skype: hazri03Unit Trust
Company: Public Mutual
Coverage area: N.Sembilan- Seremban, Senawang, Rembau , Nilai dll
http://i141.photobucket.com/albums/r76/hazri03/klmutual_lg_bg.gif
sesapo nak invest kuar duit EPF atau Cash boleh telefon saya..
HAZRI ISHAK
Nick : hazri99
contact no: 013-3055516
eMail: hazri99@yahoo.com.sg
YM id: hazri03
Skype: hazri03Unit Trust
Company: Public Mutual
Coverage area: N.Sembilan- Seremban, Senawang, Rembau , Nilai dll
http://i141.photobucket.com/albums/r76/hazri03/klmutual_lg_bg.gif
New Takaful Agent
Bagi yang baru nak jadi ejen, cepat MTA dah nak start..
Malaysian Takaful Association (MTA) has announced a new regulations and procedures. This new regulation requires all existing takaful agents to be officially registered under MTA by 31st December 2008.
Agents who are registered during this period will be exempted from the requirement of passing written examination i.e. Takaful Basic Exam (TBE) or its equivalent as approved by the Management Committee.
Malaysian Takaful Association (MTA) has announced a new regulations and procedures. This new regulation requires all existing takaful agents to be officially registered under MTA by 31st December 2008.
Agents who are registered during this period will be exempted from the requirement of passing written examination i.e. Takaful Basic Exam (TBE) or its equivalent as approved by the Management Committee.
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