ASB & ASN not comply with SC Islamic Unit Trust

Semua rasanyer terkejut dengan pengumuman pihak Suruhanjaya Sekuriti tentang tidak mengiktiraf ASB dan ASN sebagai dana yang patuh pada peraturan Dana Unit Amanah Islam.

Oleh itu bank-bank islam tidak dibenarkan memberi pembiayaan tunai kepada pelanggan yang ingin menyertai ASB dan ASN seperti membuat pinjaman. Majlis Fatwa patutlah mernarik balik fatwa hukum harus dan hendaklah ditukar kepada tidak halal.

Bagi mereka yang ingin menukar atau beralih kepad Unit Amanah yang patuh syariah, di Public Mutual memberikan beberapa opsyen untuk melabur. Antara dana yang yang sesuai:

Dana Ekuiti
Public Ittikal Fund (moderate)
Public Islamic Equity Fund (aggresive)
Public Islamic Optimal Growth Fund (moderate)
Public Islamic Opportunities Fund (aggresive)
Public Islamic Select Treasures Fund (aggresive)
Public Islamic Dividend Fund (moderate)

Dana Seimbang (Balanced)
Public Islamic Balanced Fund

Dana Sukuk (Bond)
Public Islamic Bond Fund

Dana Pasaran Wang(Money Market)
Public Islamic Money Market Fund

USE OF CHEMICALS AT THE WORKPLACE

The use of chemicals at the workplace is of concern to all; the government, employers and employees, as they may pose hazardous to health in a number of ways. They may cause fires and explosion, adverse health effects and/or damage to the environment.

The term use of chemicals hazardous to health has been used to mean the ‘production, handling, storage, transport, disposal and treatment of any chemicals that have the potential to cause adverse health effects’. Adverse health effects refer to effects that cause changes in the morphology, growth, development or life span of an organism and which results in the impairment of the functional capacity or ability of the organism to maintain homeostasis or those that do not enchance susceptibility to deleterious effects of other environmental factors. In short, the spectrum of adverse health effects range from discomfort or irritation at one end to death at the other.

The risk of fire and explosion has somewhat been addressed by certain legislations such as the OSH Act, while environmental protection comes under the purview of the Department of Environment. However, there is currently no specific legislation to control the use of hazardous chemicals at any place of work to ensure that the users, mainly industrial workers and the self-employed, are not adversely affected.

The OSH Act 1994 provide for the protection of employees handling hazardous chemicals in a general way. Section 15 of the OSH Act stipulated the general duties of employers and self-employed persons to ensure the safety, health and welfare of employees at the workplace. This duty includes making arrangements for ensuring safety as well as absence of health hazards and risks in connection with the use, operation, handling, storage and transport of hazardous substances.

These arrangements are general in nature and therefore require further elaboration and clarification by a more specific regulation on chemicals that will lay down the principles and practices to safeguard the health and safety of workers dealing with chemical substances. Hence, a set of regulations was promulgated under section 66 of the OSH Act solely addressing the issue of safety and health in the use and handling of chemicals that are hazardous to health at the workplace. This legislation is called the Occupational Safety and Health (Use and Standard of Exposure of Chemicals Hazardous to Health) Regulations 2000 or in short, OSH-USECHH Regulations.

APPLICTION

The OSH-USECHH Regulations is applicable to all places of work within the purview of the Occupational Safety and Health Act 1994 where chemicals hazardous to health are used. These include work in the following economic sectors:-

a) Manufacturing;
b) Quarrying and mining;
c) Construction;
d) Agriculture, forestry and fishing;
e) Utilities;
f) Transport, storage and communication;
g) Wholesale and retail trade;
h) Hotels and restaurants;
i) Finance, insurance, real estate and business services; and
j) Public services and statutory authorities.

However, certain places of work are excluded if the chemical substances used are:

a) Radioactive materials;
b) Foodstuff;
c) Pharmaceutical products; or
d) hazardous to health solely by virtue of their explosive or flammable properties, or solely because they are at a high temperature or pressure (e.g. water).

SALIENT PROVISIONS

Among the salient provisions of the Regulations are:

a) Identification of hazardous chemicals at the workplace and the establishment and maintenance of a chemical register;
b) Compliance with permissible exposure limits;
c) Chemical health risk assessment for employees;
d) Introduction of appropriate measures to prevent or control significant health risks;
e) Ensuring the use and maintenance of control measures and procedures;
f) Labelling and re-labelling of containers;
g) Awareness through information, instruction and training of employees on the health risks and precautions to be taken at the workplace;
h) Where necessary, monitor the exposure of employees and carry out the appropriate form of health surveillance;
i) Medical Removal Protection;
j) Warning signs; and
k) Record keeping.

INDUSTRIAL HYGIENE: RELATED ACTS AND REGULATIONS

1. Factories and Machinery (Lead) Regulations 1984
2. Factories and Machinery (Asbestos Process) Regulations 1986
3. Factories and Machinery (Mineral Dust) Regulations 1989
4. Factories and Machinery (Noise Exposure) Regulations 1989
5. Occupational Safety and Health (Use and Standards of Exposure of Chemicals Hazardous to Health) Regulations 2000
6. Occupational Safety and Health (Classification, Packaging and Labelling of Hazardous Chemicals) Regulations 1997.

HV fatal

HIRARC Risk Management Terms

RISK MANAGEMENT TERMS

1.HAZARD
2.RISK
3.DANGER
4.PROBABILITY
5.SEVERITY
6.RISK ASSESSMENT
7.RISK MANAGEMENT
8.GAMBLING

HAZARD

A condition with the potential for causing injury, damage, or mission degradation

What is a hazard?
A hazard is any activity, situation or substance that can cause harm. Occupational hazards are divided into two broad categories:

1. health hazards, and

2. safety hazards

Generally, health hazards cause occupational illnesses, such as noise induced hearing loss. Safety hazards cause physical harm, such as cuts, broken bones and so forth. Hazards exist in all workplaces.

RISK
An expression of possible loss in terms of severity and probability

DANGER
Exposure or vulnerability to harm or risk or a source or an instance of risk or peril.

Inter-relationship between hazard, risk and danger can be understand more with the following example;
Concentrated Hydrochloric acid is one of the most chemical hazard because of the intrinsic corrosive factor, which can harmful to health and some materials. High risk to the worker works with this acid without face shield. It is danger to use mouth to draw HCL into a pipette.

PROBABILITY
What is probability?
Probability is the chance that a hazard will cause harm. In risk management systems, probability is often categorized as:

1.frequent (workers are frequently at risk)
2.probable (the hazard is likely to cause harm)
3.occasional (workers are occasionally at risk)
4.remote (the hazard could cause harm, but is very unlikely to do so)
5.improbable (the hazard is unlikely to ever cause harm)

SEVERITY

What is severity?
Severity is the seriousness of the harm that could result from contact with a hazard. It is described as:

1.catastrophic (death and/or severe destruction)
2.critical (serious injury and/or property damage)

3.marginal (minor injury and/or property damage)

RISK ASSESSMENT

Using sound concepts to detect HAZARDS and estimate the risk they pose.

OPERATIONAL RISK MANAGEMENT

The process of dealing with risk associated with risk operations, which includes;

1.Risk Assessment,
2.Risk Decision Making
3.Implementation of Risk Controls.

RISK MANAGEMENT PROCESS

1.Identify Hazards
2.Assess Hazards
3.Make Risk Decisions
4.Implement Controls
5.Supervise

RISK MANAGEMENT RULES

1.Integrate into planning
2.Accept no unnecessary risks
3.Make risk decisions at the proper level
4.Accept risk if benefits
5.Outweigh the cost

MAKE RISK DECISIONS

1.Consider Risk Control Options
i.Start with Most Serious Risk First
ii.Refer to preliminary Hazard Analysis Causes
2.Does Benefit Outweigh Risk
3.Communicate with Higher Authority, if Required

GAMBLING

Making risk decisions without reasonable or prudent assessment or management of the risk involved

SUMMARY

Risk management is a systematic way of thinking.
The risk management process increases awareness of hazards and risks involved in an operation

Contoh Quotation Takafulink

Berikut adalah penerangan berhubung Pelan Takafulink. Penerangan ini adalah berdasarkan peserta dengan maklumat seperti berikut:

1. Wanita
2. Berumur 26 Tahun
3. Kelas Pekerjaan 1
4. Tidak Merokok
5. Caruman bulanan RM200

Proposal lengkap seperti diatas

Penerangan Proposal Pelan Takafulink

1. Basic/TPD - Manfaat Kematian Atau Hilang Upaya Kekal.
Perlindungan sehingga umur 80 tahun. Jika berlaku kematian atau hilang upaya kekal, waris atau peserta akan mendapat manfaat sebanyak RM150,000

2. Crisis Shield - Manfaat Penyakit Kritikal.
Perlindungan sehingga umur 80tahun. Jika peserta disahkan mendapat salah satu daripada 36 jenis penyakit kritikal, peserta akan menerima RM50,000

3. ADD - Manfaat Kemalangan dan Kematian Akibat Kemalangan.
Perlindungan sehingga umur 70 tahun. Jika peserta meninggal dunia akibat kemalangan, manfaat kematian adalah sebanyak RM220,000 (Basic + ADD). Jika kematian akibat kemalangan semasa menaiki kenderaan awam di darat, manfaat kematian adalah RM290,000 (Basic + (ADD) x2). Jika kemalangan mengakibatkankehilangan anggota badan boleh claim sehingga RM70,000.

4. MMC100 - Major Medical Cover / Kad Perubatan Takaful MediAssist.
Perlindungan sebanyak RM150,000 untuk rawatan di hospital panel. Perlindungan sehingga umur 70 tahun. Had maksimum sehingga umur 70 tahun adalah RM150,000 tertakluk kepada had RM50,000 setahun. Tertakluk kepada10% ko-takaful (min RM300, maksimum RM1,000)

5. Disability Provider - Manfaat Hilang Upaya.Perlindungan sehingga umur 60 tahun.
Jika peserta hilang upaya sebelum umur 60 tahun, kami akan membayar sebanyak RM5,000 tiap-tiap tahun sehingga umur 65 tahun.

6. Hospital Benefit - Manfaat Hospital.
Elaun hospital sebanyak RM200 sehari. Perlindungan sehingga umur 70 tahun. Jika peserta dimasukkan ke wad, beliau akan menerima elaun sebanyak RM200 sehari.

7. Weekly Indemnity - Manfaat Hilang Upaya Sementara.
Perlindungan sebanyak RM100 seminggu sehingga umur 70 tahun. Jika peserta ditimpa kemalangan yang menyebabkan dia tidak boleh bekerja (MC), peserta akan menerima elaun sebanyak RM100 seminggu.

8. Contributor - Manfaat Pembayar RM2,400 p.a
Perlindungan sekiranya peserta mendapat Penyakit Kritikal, peserta TIDAK PERLU membayar lagi caruman bulanan sehingga umur 80 tahun. Tetapi masih boleh menggunakan Medical Card dan memperolehi manfaat-manfaat lain sehingga umur 70@80 tahun.

Berdasarkan quotation ini, jumlah simpanan selama 30 tahun (umur 56 tahun) adalah sebanyak RM76,436 (rujuk gambar diatas, Total Surrender Value).
Duit ini boleh dikeluarkan bila-bila masa dengan syarat jumlah Total Surrender Value telah melebihi RM4,000. Contohnya jika Total Surrender Value ada RM10,000, peserta boleh mengeluarkan RM6,000. RM4,000 mesti ditinggalkan di dalam akaun simpanan.

Untuk penggunaan Medical Card, protection akan berkuatkuasa selepas 30 hari dari tarikh penerimaan oleh Prudential. Bagi kes kemalangan, protection adalah serta merta selepas penerimaan. Protection sepenuhnya untuk Penyakit Kritikal adalah selepas 120 hari.

Diharap penerangan ini memuaskan, sila hubungi saya untuk sebarang pertanyaan dan maklumat lanjut.


Hazri Ishak
Prudential BSN Takaful Quality Agent
Mobile : 014 255 4171
Email : hazri@prubsnadvisor.com.my
YM : hazri03
Msn: hazri99
Gtalk: hazri03
Skype: hazri03

Takafulink PruBsn Takaful

Pelan TAKAFULINK

Dengan hanya RM100 sebulan anda mampu memiliki sekeping kad perubatan bernilai dari RM150,000 dan banyak lagi perlindungan yang akan membuat anda rasa benar2 selamat.

Manfaat Pilihan & Tambahan

1. Kematian dan Kehilangan Upaya Akibat Kemalangan,
Bayaran Ganti Perubatan KemalanganMemberi manfaat kemalangan untuk ditambah kepada manfaat perlindungan utama anda.

2. Perlindungan Perubatan
Sekiranya anda dimasukkan ke hospital disebabkan kesakitan atau kecederaan, anda akan menerima bayaran tunai tetap untuk Bantuan Kemasukan Hospital, Bantuan Rapi dan Bantuan Prosedur Pembedahan.

3. Perlindungan Perubatan Utama
Memberikan perlindungan perubatan bagi Manfaat Hospital dan Pembedahan dan Rawatan Pesakit Luar sekiranya anda dimasukkan ke hospital atau memerlukan rawatan pesakit luar disebabkan kesakitan atau kecederaan. Ini juga termasuk Bantuan Perubatan Kecemasan..

4. Manfaat Hospital
Memberikan bantuan tunai harian sekiranya anda dimasukkan ke hospital

5. Bantuan kehilangan Upaya, pendapatan Perlindungan Krisis
Manfaat ini dibayar setiap tahun sekiranya anda mengalami Hilang Upaya Menyeluruh dan Kekal (HUMK) atau penyakit kritikal sebelum mencapai usia 60 tahun.

6. Perlindungan Krisis
Memberi perlindungan daripada penyakit kritikal, yang sedia untuk digunakan di saat-saat anda paling memerlukan.

7. Indemniti Mingguan
Memberi bantuan tunai mingguan jika peserta kehilangan upaya disebabkan kemalangan.

8. Penyumbang
Membayar manfaat tahunan sekiranya anda diserang penyakit kritikal. Bayaran dihentikan apabila anda meninggal dunia.

9. Penyumbang Pasangan atau Ibu Bapa
Sekiranya pasangan atau ibu bapa anda meninggal dunia atau mengalami HUMK sebelum mencapai usia 60 tahun atau disahkan mengidap penyakit kritikal, manfaat ini akan membantu anda membayar sumbangan kepada Pelan Takaful pada masa hadapan. Manfaat ini akan dihentikan apabila anda meninggal dunia atau mencapai usia 60 tahun.

Kepada para pengunjung yang berminat untuk mendapatkan khidmat rundingan dan 'quotation' PERCUMA, sila SMS atau email perkara-perkara berikut kepada saya.

1. Nama
2. Jantina
3. Tarikh Lahir
4. Pekerjaan
5. Lokasi
6. Status Merokok
7. No telefon dan email untuk dihubungi
8. Bajet caruman bulanan

(Caruman minimum untuk Pelan Takafulink + Kad Perubatan Takaful MediAssist adalah RM100. Saya cadangkan buat caruman 5-10% daripada gaji bulanan, caruman RM80 sesuai untuk pelan kanak-kanak sahaja)

Hubungi saya di talian 014-2554171 atau email hazri@prubsnadvisor.com.my

How to Spot Scams!

Minimise the risk of losing your savings to scams by recognising the different types of illegal investment schemes that are plaguing our society. Here are some typical characteristics and promises made by scams:

-For every investment that you make, you will receive a high return, for instance, 20-30% per month, every month.

-You are not shown the so-called quality product you are allegedly selling, but you will get paid for every person you recruit or sign up.

-You are told that the offer is for a limited time and that you MUST join or buy today.

-You are told to send money to some foreign banks in foreign currency to claim a prize but you do not remember entering into any contest or lucky draws.

-You receive unsolicited phone calls offering investment opportunities and you have no idea how the company has obtained your phone number.

-You receive unsolicited e-mails asking you for your bank account number because they want to send you money, usually millions of US dollars, from some foreign countries. This is, strictly speaking, not an investment scam, but is still a scam, and a popular one.

-You are offered an investment product that guarantees large profits with no financial risk.

-You are asked to invest in an investment scheme. The address and contact information of the investment company offering you big money is located in a foreign country where you cannot verify its physical location.

-You are offered a “free gift” in order to get something later, for example, a larger amount of money.

-You are offered job opportunities with high pay without any need for relevant experience or academic qualifications.

-You are approached by someone who claims to be an agent for foreign trading houses (e.g. based in Macau, Bahamas, British Virgin islands etc) to trade in foreign indices (e.g. Hang Seng index), commodities (e.g. coffee) or forex (e.g. US$, Yen etc) but you need to deposit some money as a “margin” in some foreign currency before a trade can be executed.

It is hard to find any information about the company’s licence or physical existence in any regulator or authority’s website.
If you are faced with any of the above situation, what should you do to protect yourself?