Diari On Off

Free Bitcoin No Scam

2017-09-26T11:06:00.000+08:00

Dapatkan Bitcoin Percuma

Daftar wallet dulu di
-> coinpot.co <-

selepas tu daftar program berikut untuk mengutip Bitcoin, Dogecoin dan Lightcoin. Percuma. Tidak perlu modal. Bukan scam.

Moonbit
http://moonbit.co.in/

mooddoge
http://moondoge.co.in/

moonlite
http://moonliteco.in/

bitfun
http://bitfun.co/

Bonusbitcoin
http://bonusbitcoin.co/

Cash Robots Bot: Jana Bitcoin Melalui Aplikasi Telegram Massanger

2017-08-24T19:56:00.000+08:00

Robot Cash di aplikasi messenger telegram yang boleh menjana wang sebenar iaitu Bitcoin. Ia adalah satu 'game' menarik mengenai cara untuk farming 'Bitcoin'.

Sesiapa yang belum mendaftar beh ke link di bawah ini,
http://t.me/CashRobotsBot?start=VHyEGDHI
(Group Telegram: https://t.me/BTMine )

Robot Cash merupakan bot yang membolehkan anda untuk generate energy yang boleh ditukarkan kepada diamond . Diamond ini kemudian boleh diguna pakai untuk ditukarkan kepada Bitcoin point.

Untuk yang masih tidak mengetahui, bitcoin merupakan matawang digital yang agak popular dan berkembang pesat dimasa ini. Kebanyakkan online shop juga sudahpun memnerima bitcoin sebagai salah satu alternative pembayaran. Seperti juga emas, bitcoin juga kalis inflasi dan harga bitcoin naik lebih tinggi didalam masa yang singkat.

Cara nak farming dan collect energy dan jual energy mudah sahaja. Hanya tekan Menu dan pilih Hire. Terdapat beberapa versi robot yang boleh dibeli. Sekiranya anda sudah mendaftar dari link Robot Cash diatas, anda akan mendapat 300 diamond dan anda boleh membeli sebanyak 3 unit.

Belum daftar? Klik link di bawah,
http://t.me/CashRobotsBot?start=VHyEGDHI
(Group Telegram: https://t.me/BTMine )

Apabila diamond anda suda cukup untuk withdraw anda perlu wallet bitcoin. Antara ialah Luno. Hanya perlu mendaftar dan mendapatkan bitcoin wallet di website ini https://www.luno.com/ atau download apps dari playstore. Hanya tekan receive bitcoin untuk mendapat address bitcoin wallet anda.
Kemudian hanya pergi ke Menu - Extra dan Settings untuk memasukkan bitcoin address anda ke dalam aplikasi ini.

Menu - Hangar untuk collect energy daripada Robot yang dibeli.Semakin banyak Robot anda, semakin banyak lah energy akan dihasilkan.

Energy yang banyak-banyak tu nak buat apa? Jual yntuk dapat diamondla. Pergi ke Menu - Shop dan tukarkan kepada diamond. 70% daripada hasil jualan akan dimasukkan ke Account 1 (Available Balance). So boleh guna modal daripada sini untuk rolling beli robot banyak-banyak.

Belum daftar? Klik link di bawah,
http://t.me/CashRobotsBot?start=VHyEGDHI
(Group Telegram: https://t.me/BTMine )

30% daripada hasil jualan energy pula akan dimasukkan ke account 2 (Payout Balance). Ini merupakan account yang anda gunakan untuk withdraw dan ditukarkan kepada Bitcoin. Haa, Mudah kan..

Pengiraan asas dan tips untuk menggunakan Robot Cash :

100 energy = 1 diamond

1 diamond = 1 satoshi bersamaan 0.000001btc

Payment boleh dikeluarkan sekurang-kurangnya 1000 diamond daripada akaun 2 (Payout Balance).

Elakkan bermain Roulette, membazir diamond. Collect bonus sehari sekali (random diamond 10-100)

Belum daftar? Klik link di bawah,
http://t.me/CashRobotsBot?start=VHyEGDHI
(Group Telegram: https://t.me/BTMine )

Antara cara mudah untuk mendapatkan free diamond adalah dengan menggunakan referral link anda dan invite kawan-kawan untuk bermain.

Makin banyak robot, makin banyak energy. So lagi cepat la dapat collect diamond / point.

Da byk duit boleh la withdraw. So far bitcoin ni harga sentiasa saja naik. Berbaloi2..

Klik link di bawah untuk mendaftar
http://t.me/CashRobotsBot?start=VHyEGDHI
(Group Telegram: https://t.me/BTMine )

KANSER RAHIM: Kaum Wanita Boleh Menghalangnya

2017-03-22T11:37:00.001+08:00

Kongsikan untuk para wanita. Kaum lelaki dan wanita perlu sebarkan kepada wanita di sekitar anda.

Jangan minum air ais, air soda berkarbonat, dan air kelapa ketika haid kerana pori kepala sedang terbuka pada saat haid dan boleh menyebabkan sakit kepala. Sangat berbahaya kesan ini boleh di rasakan ketika muda dan ketika tua nanti.

Jangan makan timun ketika sedang haid kerana getah yang ada pada timun boleh menyebabkan haid tersisa di dinding rahim.

Selain itu ketika sedang haid, tubuh tidak boleh terbentur, terjatuh dan terpukul oleh benda keras terutama bahagian perut kerana boleh menyebabkan muntah darah dan rahim boleh terluka.

Kajian membuktikan minum ais ketika haid boleh menyebabkan darah haid tersisa di dinding rahim, setelah 5 - 10 tahun dapat menyebabkan “KISTA & KANSER RAHIM”.

Tolong sebarkan info ini kepada wanita sama ada ibu, isteri, anak perempuan kita, mahupun teman wanita, sebagai langkah berjaga-jaga.

Sayangi wanita. Indahnya berkongsi ilmu pengetahuan. Jangan putus pada anda sahaja ya. Kita boleh membina dunia bebas kenser.

Sumber : LPK (Lembaga Penyuluhan Kanser).

Buah Nenas - Penawar 1001 Jenis Penyakit

2017-03-04T15:22:00.001+08:00

Buah Nenas Boleh Dimakan Setiap Hari, Buah Nenas Mampu Merawat 1001 Penyakit.

Ramai yang berpendapat buah nenas tidak boleh dimakan terlalu kerap kerana risau akan mengakibatkan pedih perut kerana ia dikatakan buah yang agak 'tajam'.

Sehinggakan ada yang tak suka langsung makan buah nenas. Sedangkan jika anda menolak buah nenas ini, bermakna anda tergolong orang yang rugi kerana buah nenas adalah salah satu buah yang mampu merawat 1001 penyakit.

Nenas penuh dengan vitamin dan mineral termasuklah vitamin A, vitamin C, kalsium, fosforus, dan kalium. Kaya dengan serat dan kalori, malah nenas juga rendah lemak dan kolesterol. 14 kelebihan nenas termasuklah seperti yang berikut. Cepat semak!

1. Kandungan vitamin C yang banyak terdapat di dalam buah nenas dikatakan mampu menentang virus yang menyebabkan batuk-batuk dan demam selesema.

2. Nenas mempunyai bromelain, yang berkesan dalam menyaring batuk-batuk dan melonggarkan mukus.

3. Bromelain dalam buah ini juga dikatakan mampu bekerja untuk meneutralkan cecair dalam badan bagi memastikan tidak terlalu berasid. Dikatakan mampu membantu mengatur perembesan dalam pankreas untuk membantu pencernaan.

4. Nenas juga bagus untuk membina dan mengekalkan tulang yang kuat. Ini kerana nenas mengandungi mangan, sejenis mineral surih yang diperlukan tubuh untuk membina tulang dan tisu penyambung.

5. Jika memakan secawan nenas, anda sudah pasti mendapat kira-kira 73 peratus keperluan mangan untuk tubuh secara keseluruhannya.

6. Dikatakan juga memakan nenas mampu menguatkan gusi sekali gus memastikan gigi anda sihat dan kuat.

7. Buah nenas mengandungi beta karotena yang amat baik untuk penglihatan.

8. Dikatakan juga nenas mempunyai sifat-sifat anti keradangan. Nenas mampu mengurangkan sakit artritis dan pada masa yang sama memperbaiki keadaannya dengan cara menguatkan tulang.

9. Mampu memperbaiki masalah kesihatan lain seperti sindrom carpal tunnel dan gout.

10. Nenas boleh dimakan mentah mahupun dijadikan jus.

11. Jus nenas bukan sahaja merupakan minuman yang lazat tetapi juga dapat atasi masalah kekeringan di bahagian bibir dan di bahagian muka.

12. Amalan minum jus nenas juga berkesan untuk atasi masalah kencing tidak lawas.

13. Enzim yang terdapat pada nenas dikatakan mampu meredakan bengkak-bengkak, menguatkan daya tahan badan serta menghapuskan fibrin yang boleh bawa sakit jantung dan strok.

14. Selain itu buah ini juga melancarkan perjalanan haid serta berkesan dalam mengatasi masalah pencernaan, pundi kencing, cacing dan kelesuan tubuh badan.

Jika anda merasakan artikel ini menarik, boleh kongsikan dengan keluarga dan kenalan anda dengan share artikel ni ke profile media sosial anda.

Penipuan Skim Cepat Kaya

2017-02-13T23:53:00.001+08:00

Bgaimana kita tertipu dgn skim cepat kaya? Ini contohnya.

Fahami baik-baik. Ilmu ini perlu kita tahu agar ianya tidak berlaku untuk kedua kalinya atau terjebak dgn para suspek penipuan mana2 skim cepat kaya...

1. Saya mempunyai modal cash sebanyak RM100,000.
Saya buka satu syarikat/skim yg ada tawar 3 pakej pelaburan kepada org ramai:
A. Gold - RM400
B. Platinium - RM4,000
C. Diamond - RM40,000

2. Untuk early stage bukan mudah untuk menarik pelabur, stage pertama adalah strategy untuk menjadi 'trusted'. Pada permulaan ramai orang ragu2 dan takut ditipu tapi nak tahu. Kebanyakan org ramai yang suka mencuba akan letakkan pakej yg paling minima iaitu Gold - RM400.

Pakej Gold ini dijanjikan akan dibayar RM100 sebulan selama 3 bulan,
dan pelaburan ini akan matang pada bulan ke-4, dan mereka mempunyai pilihan untuk mendapat RM800 (keuntungan) dan pakej akan segera ditamatkan. Contohnya 1000 org masuk,
total collection yg saya dapat adalah sebanyak RM400,000.Duit ini cukup digunakan untuk membayar habuan bulanan pelabur selama 4 bulan.

Duit modal Saya RM100,000 digunakan utk membayar sebahagian kecil mereka yang stop pada bulan ke 4. Kalau 100 org stop saya kena keluar RM800 x 100 = RM80,000. Apa ada hal keluar sikit modal saya, janji saya dapatkan trusted mereka.
Tengok nanti bagaimana saya ‘makan' duit mereka balik.

3. Psikologi emosi dimainkan waktu ini dimana pelabur akan menjadi tamak sebab dengan hanya menunggu lagi 5 bulan mereka akan mendapat RM3600 disamping RM100 bulanan. Kebanyakan mereka tidak akan stop pada bulan ke 4 tersebut kerana mereka menanti habuan yang lebih lumayan di hadapan. Maka mereka mengambil pilihan teruskan habuan bulanan RM100.

4. Pada bulan keempat tersebut pelabur2 sudah termakan 'trusted' dgn dana tersebut disamping sebahagian kecil yang stop dan dapat RM800 tersebut menjadi bukti kononnya skim itu adalah sangat 'trusted'.

5. Waktu ini kepercayaan terhadap skim ini akan menebal. Maka berbondong-bondonglah diajak keluarga, rakan office,
sahabat handai, oang kampung melabur bersama kerana taksub dgn keyakinan tersebut.Diajak joint venture, kumpul modal ramai-ramai dan melabur.

6. Make it short. Contoh 1000 org tadi yg sangat yakin dan dipukau dengan 'Trusted Scheme' upgrade kepada pakej Diamond - RM40,000. Duit tu mungkin dari joint venture, kumpul duit orang,
personal loan, jual harta, pinjam 'Along'. RM40,000 x 1000 = RM40,000,000.

7. Senangnya saya nak dapatkan RM40,000,000 (Rm40 juta!) dgn hanya membayar nilai lakonan 'Trusted'. Bila dah dapat duit, masa ni saya dah boleh istihar macam2 kepada pelabur2 saya.
Paling senang kena rompak, kena tipu atau pecah amanah (tuduh sesiapa dalam syarikat dan jadikan kambing hitam).

Dan saya tak mampu pulangkan modal pelaburan tersebut kepada pelabur2.
Utk meredakan amarah pelabur saya,
Saya minta tempoh 6 bulan utk selesaikan & recovery, cukup 6 bulan Saya minta extent Lagi 6 bulan. Lama kelamaan mereka putus harap dan pasrah duit mereka telah hangus (disini saya akan mainkan sentimen agama sikit spt rezeki itu Allah yg tentukan). Mereka akan lupa hari demi hari.

Jika anda rasa penulisan ini memberi kesedaran dan manfaat kpd anda,
haruslah di “kongsikan” bersama orang lain agar ianya tersebar luas dan dapat manfaat bersama.

Hati2 di luar sana yang gemar skim cepat kaya macam ini. Sayangilah duit anda.

PISANG: KURNIAAN TUHAN KEPADA MANUSIA

2017-02-12T20:04:00.001+08:00

Jangan sekali-kali menyimpan pisang dalam peti sejuk. Lepas baca anda semua pasti akan pandang tinggi pada buah pisang.

Pisang mengandungi 3 jenis gula semulajadi – sukrosa, fruktosa dan glukosa yang digabungkan dengan gentian. Pisang memberikan tenaga kepada manusia dengan kadar segera dan berterusan. Kajian yang telah dibuat menunjukkan bahawa 2 biji pisang mempunyai cukup tenaga untuk senaman selama 90 minit. Tidak hairanlah pisang dijadikan buah utama kepada atlit terkenal dunia. Bukan itu saja, malah pisang juga amat sesuai untuk mencegah dan merawat beberapa jenis penyakit, menjadikannya amat sesuai dalam pemakanan kita seharian.

Tekanan:
Merujuk kepada survey terbaru yang dijalankan oleh MIND terhadap pesakit-pesakit tekanan jiwa, kebanyakan daripada mereka kembali pulih selepas makan pisang. Ini kerana pisang mengandungi tryptophan, iaitu sejenis protin yang bertukar kepada serotonin dalam tubuh manusia, yang menyebabkan kita tenang, mengembalikan mud dan secara amnya membuatkan kita berasa gembira.

PMS:
Lupakan pil-pil hospital – makan sahaja pisang. Vitamin B6 yang terkandung mampu meneutralkan paras glukosa dalam darah, yang boleh mengembalikan mood anda.

Anemia:
Dengan kandungan zat besi yang tinggi, pisang mampu mengawal pertumbuhan hemoglobin dalam darah, yang secara tak langsung membantu dalam kes-kes anemia.

Tekanan Darah Tinggi:
Buah tropikal unik ini mengandungi kadar potassium yang tinggi – garam rendah, menjadikannya sempurna untuk menstabilkan tekanan darah.

Kuasa Minda:
Kajian dibuat terhadap 200 pelajar di sebuah sekolah di mana semasa peperiksaan dijalankan, mereka diberi makan pisang untuk sarapan, rehat, dan makan tengahari. Keputusannya, buah pisang yang mengandungi kadar potassium yang tinggi dapat membantu pembelajaran dengan menjadikan pelajar-pelajar itu lebih cekap (alert).

Penghadaman:
Gentian tinggi, jadikan pisang sebagai diet seharian anda pasti membantu menstabilkan tindakan usus kecil dan besar.

Keletihan:
Salah satu cara terbaik untuk mengurangkan keletihan ialah dengan membuat minuman pisang susu campur madu. Pisang bertindak menyejukkan perut dan dengan bantuan madu dapat membina semula kandungan gula dalam darah yang berkurangan akibat keletihan, manakala susu pula memperbetulkan sistem hidrasi semula anda.

Panas Jantung:
Pisang mempunyai kesan anti-asid semulajadi dalam badan. Oleh itu, jika anda menghadapi rasa panas di jantung, cuba makan pisang untuk pemulihan yang baik.

Demam Pagi:
Jadikan pisang sebagai snek setiap hari untuk membantu memelihara kadar gula dalam darah untuk mengelakkan demam pagi.

Gigitan Nyamuk:
Sebelum menggunakan krim gigitan serangga, cuba sapukan kawasan bekas gigitan nyamuk dengan lapisan dalam kulit pisang. Ramai yang telah berjaya mengatasi kegatalan akibat gigitan nyamuk dengan cara ini.

Saraf:
Pisang mengandungi kadar vitamin B yang tinggi yang dapat membantu menenangkan sistem saraf anda.

Obesiti dan Tekanan Kerja:
Kajian di Institut Psikologi di Austria mendapati tekanan kerja menjadi pemangkin kepada pengambilan makanan seperti coklat dan kerepek. Berdasarkan 5,000 pesakit hospital, kajian mendapati kebanyakan pesakit obes membuat kerja-kerja tekanan tinggi. Laporan juga menyatakan, untuk mengatasi masalah ini, kita perlu mengawal kadar gula dalam darah dengan mengambil makanan karbohidrat tinggi setiap 2 jam untuk mengekalkan kadar yang stabil. Makanlah pisang.

Ulser:
Pisang amat baik dalam pencegahan ulser kerana ia bersifat lembut dan tidak mencederakan organ dalaman kita. Ia juga bertindak sebagai peneutral lebihan asid serta mengurangkan kepedihan dengan bertindak menyaluti lapisan dinding perut kita.

Kawalan Suhu:
Ramai yang percaya bahawa dengan memakan pisang, ia dapat menurunkan suhu kedua-dua fizikal dan emosi kepada ibu-ibu mengandung. Di Thailand sebagai contoh, ibu mengandung mengambil pisang untuk memastikan bayi yang dilahirkan itu menjadi seorang yang penyabar (cool).

Seasonal Affective Disorder (SAD):
Penyakit ini mer
upakan simptom yang terjadi akibat daripada kurangnya pendedahan kepada cahaya matahari. Pisang dapat membantu pesakit ini kerana ia mengandungi tryptophan semulajadi yang membaikpulih mud kita.

Ketagihan Rokok & Tembakau:
Pisang dapat membantu perokok yang ingin berhenti merokok. Vitamin B6, B12, potassium dan magnesium yang terdapat dalam pisang, ia dapat membantu tubuh kita dalam membaikpulih kesan nikotin terhadap tubuh.

Stres:
Potassium merupakan bahan mineral vital, yang membantu menormalkan degupan jantung, menghantar oksigen kepada otak dan mengimbangi kandungan air dalam tubuh. Bila kita stres, kadar metabolisma kita naik, menyebabkan kadar potassium menurun. Keadaan ini dapat diimbangi semula dengan bantuan snek pisang yang tinggi potassium.

Strok:
Mengikut kajian dalam buku ‘The New England Journal of Medicine‘, mengambil pisang sebagai diet harian mampu mengurangkan risiko kematian akibat strok sebanyak 40%!

Lain-lain Penyakit Kulit:
Pengamal perubatan semulajadi (alternatif) berpendapat, untuk menghilangkan pelbagai masalah kulit, termasuk jerawat, kudis, parut, kurap, dan sebagainya, ambil sekeping kulit pisang, tampalkan sebelah dalam kulit pisang itu pada tempat yang ingin dirawat dengan menggunakan plaster luka biasa atau pun plaster bedah.

Jadi, pisang memang merupakan ubat semulajadi kepada banyak penyakit. Jika dibandingkan dengan epal, pisang mempunyai 4 kali ganda kandungan protin, 2 kali karbohidrat, 3 kali fosforus, 5 kali vitamin A dan zat besi, dan 2 kali vitamin dan mineral lain. Ia juga kaya dengan potassium dan merupakan salah satu makanan terbaik yang mudah didapati.

Jadi mungkin inilah masa untuk berubah kepada kata yang biasa disebut-sebut, “Sebiji pisang sehari dapat menjauhkan doktor!”

PS: Kesimpulannya, pisanglah adalah penyebab utama kenapa monyet-monyet di hutan selalu sihat dan bahagia setiap masa dan ketika! Satu lagi; ingin kilatkan kasut?? Ambil bahagian dalam kulit pisang, sapukan secara terus kepada kasut anda, kemudian kilatkan dengan kain kering. Menakjubkan!

We Care And We Share

POWER OF MONEY

2017-02-11T09:26:00.001+08:00

By Amarjeet Singh
( Malaysia No. 1 Investment Guru)

Some of you may already know that I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia 🇲🇾 , Indonesia 🇮🇩 , Thailand 🇹🇭 , Myanmar 🇲🇲,Vietnam 🇻🇳, Philippines 🇵🇭 , Singapore 🇸🇬 and Suzhou ( China 🇨🇳 ) .

I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books in soliciting business in networking or even other business with a same approach.

Recently, someone came up to me on a plane in KL and looked rather shocked. He asked, 'How come a leader like you is traveling economy?' My reply was, 'That's why I am a leader. ' He still looked pretty confused.

This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Earn RM10,000 & More in a Month'). Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel. This is why so many people never become rich because the moment they earn more money, they think that it is only natural that they spend more, putting them back to square one.

The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value. That is why they are able to accumulate and multiply their wealth so much faster.

Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my family, to support). Still, it is way above most people who save 10% of their income (if they are lucky).

I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money. However, I happily pay Insurance for myself and my family for future savings and during the rainy days send without thinking twice.

When I joined the YEO (Young Entrepreneur's Orgn) a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business), I discovered that those who were self-made thought like me. Many of them with net worth well over $5 m, travelled economy class and some even drove Toyotas and Nissans, not Audis, Mercs, BMWs..

I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow. Somehow, *when you did not have to build everything from scratch, you do not really value money. This is precisely the reason why a family's wealth (no matter how much) rarely lasts past the third generation*

Thank God my rich dad in heart & mum of love foresaw this terrible possibility and refused to give me a cent to start my business but supported me in what ever I did.

Then some people ask me, 'What is the point in making so much money if you don't enjoy it?' The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class. Even if buying something makes me happy it is only for a while, it does not last.

^Material happiness never lasts, it just gives you a quick fix*. After a while you feel lousy again and have to buy the next thing which you think will make you happy. I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life..

Instead, *what makes me happy is*
when I see my family & love ones laughing and playing and learning so much.
What makes me happy is when I see that we are able to reach more and more people every year in so many more countries.

What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life.

What makes me really happy is reading all your wonderful posts about how this blog is inspiring you. *This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.*

I think the point I want to put across is that *happiness must come from doing your life's work (be it teaching, building homes, designing, trading, winning tournaments etc.)*and the money that comes is only a by-product.

*Save this message to read it from time to time*

THE POWER OF MONEY

VERY DOWN TO EARTH
VERY PRACTICAL

Should share with the children !

From
Dr. Amarjeet Singh
Motivator Business Consultant

Tawaran Turkiye Scholarships 2017

2017-02-09T16:10:00.001+08:00

Bahagian Biasiswa, Kementerian Pendidikan Tinggi (KPT) telah menerima nota diplomatik dari pihak Kedutaan Besar Republik Turki mengenai tawaran untuk mengikuti biasiswa di bawah “Turkiye Scholarships 2017” bagi pengajian di peringkat pascasiswazah.

Program di bawah “Turkiye Scholarships” ditawarkan kepada warganegara Malaysia yang berhasrat untuk menyambung pelajaran di institusi pengajian tinggi di Turki sama ada di peringkat Sarjana (Masters) dan Kedoktoran (PhD).

Semua permohonan adalah melalui online dan dibuka sehingga 17 Februari 2017.

Maklumat Am
http://www.turkiyeburslari.gov.tr/index.php/en/

Maklumat Lanjut
https://www.turkiyeburslari.gov.tr/en/turkiye-burslari/basvuru-sartlari/

Permohonan Online
http://www.turkiyeburslari.gov.tr/index.php/en/

https://www.turkiyeburslari.gov.tr/en/turkiye-burslari/burs-programlari/

https://www.turkiyeburslari.gov.tr/en/2017-turkiye-burslari-lisansustu-basvurulari/

Tarikh Tutup: 17 Februari 2017

Pertanyaan
Call center (Phone) : +0850 455 0 982
Puan Hanizah Hamdan
Email: hanizah@mohe.gov.my
No. Telefon: 0388706387

Encik Mohd Rashdan B. Abdul Razak
Email: rashdan@mohe.gov.my
No. Telefon: 0388705381

How much does a miracle cost?

2016-01-24T00:29:00.001+08:00

"An eight-year-old child heard her parents talking about her little brother. All she knew was that he was very sick and they had no money left. They were moving to a smaller house because they could not afford to stay in the present house after paying the doctor's bills. Only a very costly surgery could save him now and there was no one to loan them the money.

When she heard her daddy say to her tearful mother with whispered desperation, 'Only a miracle can save him now', the little girl went to her bedroom and pulled her piggy bank from its hiding place in the closet. She poured all the change out on the floor and counted it carefully.

Clutching the precious piggy bank tightly, she slipped out the back door and made her way six blocks to the local drugstore. She took a quarter from her bank and placed it on the glass counter.

"And what do you want?" asked the pharmacist.

"It's for my little brother," the girl answered back. "He's really very sick and I want to buy a miracle."

"I beg your pardon?" said the pharmacist.

"His name is Andrew and he has something bad growing inside his head and my daddy says only a miracle can save him. So how much does a miracle cost?"

"We don't sell miracles here, child. I'm sorry," the pharmacist said, smiling sadly at the little girl.

"Listen, I have the money to pay for it. If it isn't enough, I can try and get some more. Just tell me how much it costs."

In the shop was a well-dressed customer. He stooped down and asked the little girl, "What kind of a miracle does you brother need?"

"I don't know," she replied with her eyes welling up. "He's really sick and mommy says he needs an operation. But my daddy can't pay for it, so I have brought my savings".

"How much do you have?" asked the man.

"One dollar and eleven cents; but I can try and get some more", she answered barely audibly.

"Well, what a coincidence," smiled the man, "A dollar and eleven cents - the exact price of a miracle for little brothers."

He took her money in one hand and held her hand with the other. He said, "Take me to where you live. I want to see your brother and meet your parents. Let's see if I have the kind of miracle you need."

That well-dressed man was Dr Carlton Armstrong, a neurosurgeon. The operation was completed without charge and it wasn't long before Andrew was home again and doing well.

"That surgery," her mom whispered, "was a real miracle. I wonder how much it would have cost."

The little girl smiled. She knew exactly how much the miracle cost ... one dollar and eleven cents ... plus the faith of a little child.

Perseverance can make miracles happen! Miracle can come in various forms - as a doctor, as a lawyer, as a teacher, as a police and many others..

A river cuts the rock not because of its power, but because of its consistency.

Never lose your hope; keep walking towards your vision."‎

If this blesses you, please share too to bless others...

‎
God Rules!

Does Automobile Insurance Follow the Car or the Driver?

2015-08-20T08:30:00.000+08:00

There are a few questions in life that are more confusing than their answers. The blanket query into whether or not insurance follows the car or the driver in a particular jurisdiction is such a question – one we see regularly. It isn’t a dumb question. It is more like a MENSA brain teaser than a legitimate insurance question, and it is usually the wrong question to ask.

The answer to whether insurance follows the car or driver depends on many variables, most notably the kind of insurance coverage being referred to. There are coverages that follow the car and coverages that follow the driver. In general, auto insurance follows the car instead of the driver, but the specifics of a claim can differ since insurance laws and coverage vary depending on the policy, coverage and state being dealt with.

Liability Coverage
Liability insurance coverage on a personal auto policy follows the driver no matter whose vehicle is being operated, provided it is an eligible vehicle. All states, except for one (New Hampshire), require at least liability coverage. Liability coverage protects the insured (i.e., follows the driver) when the insured operates a vehicle owned by someone else. In such a situation, they will still usually be covered under their own auto insurance policy. However, the best rule of thumb in looking for coverage under a policy is to begin with the exclusions.

While an “insured vehicle” may include a friend’s or neighbor’s vehicle or a rental car, if the vehicle was available for regular use, it might be excluded. A “replacement” vehicle will probably be covered, but in some cases only under circumstances where the insured’s vehicle cannot be operated for some specific reason, such as a repair. Coverage might not follow anyone if the insured is driving a vehicle other than a “private passenger vehicle not owned and listed on the insured’s policy.” There really is no such thing as a standard auto policy anymore and coverage for non-owned autos will be different under some policies and non-existent under others.

Comprehensive and Collision
Comprehensive and collision auto insurance coverage, on the other hand, are tied to the insured vehicle (they follow the car). These coverages pay for damage that befalls the insured vehicle as a result of an accident or vandalism. One could say that if you loan your vehicle, you loan your insurance. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. This, however, requires many stipulations to be put in place, such as who is allowed to drive the car. If someone other than the insured is driving a vehicle covered by comprehensive coverage and is not listed as a covered driver – even if the other person has permission – the other person might not be covered in an accident. Family members (such as children or a spouse) are generally already included in the policy definition of “insured.” However, rarely will insurance cover a driver operating a vehicle without the owner’s permission.

Other Drivers Driving the Insured’s Vehicle
When an insured allows other drivers to drive his vehicle, then, and only then, does the question of whether insurance follows the car or the vehicle become even awkwardly relevant. The right question to be asking is not whether insurance follows the car or the driver, but whether or not other drivers will be covered by the insured’s auto insurance.

Unfortunately, there is no bright line answer to the question, and it depends greatly on the language of the policies involved, the jurisdiction you are concerned with, and the specific facts involved. Permissive use is generally covered under the liability terms of an auto policy. As always, however, there are exceptions.

There are certainly insurance carriers and policies that will not cover any driver not specifically named in the policy. Other relevant facts include where the “other driver” resides and if they are related to the insured. In general, if someone is living in the insured’s household and regularly drives the insured’s vehicle, many insurance carriers expect you to have that person named on the policy. They will need to undergo the same underwriting and qualification process as any other policyholder.

In some cases, if a family member is visiting and has permission from the insured to drive the family vehicle, there will be coverage if there is an accident, but the coverage may be limited. All policies should be reviewed to determine if there are any excluded drivers and any limitations on coverage for anyone driving the car that is not specifically named on the policy.

When the policy of the vehicle owner and the policy of the permissive user have different limits, the matter becomes even more complicated. If the damages caused by the permissive user’s negligence exceed the owner’s liability limits, the policy of the permissive user might be tapped as secondary coverage, but usually only where the permissive user’s liability limits are higher than the owner’s liability limits.

The Insured Driving Someone Else’s Vehicle
In general, insurance coverage for an insured driving someone else’s vehicle is the coverage he carries for his own vehicle. The driver’s personal coverage will apply in most cases when driving a vehicle he does not own. This includes any uninsured motorist coverage he carries and the medical portions of his policy. The driver’s property damage coverage might carry over while driving another’s car as well, depending on the policy language, the respective limits of the two policies involved, and the facts. If a person drives his own vehicle without insurance, he should not expect that he is covered when driving someone else’s vehicle.

Certain factors must be considered in determining if an insured is covered when driving someone else’s vehicle, including the reasons for driving the vehicle, if the insured had permission or not, or if it was a rental or dealership loaner. In each case, the individual circumstances and state law involved will factor into the outcome, but another policy might be considered primary over the insured’s.

When an insured borrows a vehicle from a friend, the insured’s liability coverage usually steps in only when the insured’s policy limits are exceeded. Collision and comprehensive coverage do not apply to a borrowed vehicle. Medical Payments (Med Pay) and Personal Injury Protection (PIP) coverage, as we will see below, also follow the insured into a borrowed vehicle.

Med Pay and Bodily Injury Insurance
Med Pay and bodily injury insurance are two other types of coverage that usually follow the person, not the car. Med Pay coverage pays for any injuries that an insured or his passengers may incur in an accident, regardless of who is at fault. Such coverage usually follows the driver. It is based on people, not the vehicle. In fact, such coverage sometimes covers the insured when he is walking or biking. This coverage also usually follows the driver when he rents a car, because the rental vehicle is a substitute for the insured’s own vehicle. However, Med Pay coverage sometimes follows the car. If the passengers in a vehicle don’t have coverage of their own, Med Pay and PIP coverage can extend to their injuries.

Drivers from Other States
Auto insurance will generally cover a driver from any state as long as he has the insured’s permission to operate the vehicle. However, this isn’t always the case. In all instances, when someone else operates the insured’s vehicle, the auto coverage and policy terms may vary greatly depending on the carrier and insurance options selected by the insured. That said, if an insured is driving a company/commercial vehicle which has Med Pay/PIP coverage, that coverage is usually primary over the driver’s personal auto policy, which will be secondary in terms of coverage. There are some exceptions.

Insurance Coverage When the Insured Is Not Present
In order for insurance to cover an accident when the insured is not present, there will need to be comprehensive auto coverage. The facts of each such case definitely matter. If the driver is a relative, then most likely the absent insured’s insurance will cover the accident. The driver also needs to have had permission, express or implied, or the insured’s insurance may not cover the claim, unless the vehicle was stolen. Individual insurance companies and policies may vary in regard to these rules.

Sub-Standard Policies
Cheap, sub-standard auto carriers write insurance for insureds with bad driving records. They are able to do this by setting their own limited conditions under which they will provide coverage. These sub-standard carriers do not cover claims that would be covered under a more standard policy. These policies can contain “named-driver exclusions” which limit coverage to persons specifically named in the policy. “Step-down” policies often lower liability coverage to a state’s minimum limits for permissive users, even if the insured pays for higher limits. Deductibles can be higher and/or a policy won’t extend coverage to a rental vehicle. Therefore, policy terms vary and directly affect whether a particular coverage follows the car or the driver.

So Does Insurance Follow the Car or the Driver?
As we have seen, this is usually not the right question to ask. However, that won’t prevent inquiring minds from asking – over and over. An answer to the question that isn’t going to be universally correct, therefore, is that insurance that follows the car usually has the vehicle listed in the policy. If anyone who has your permission drives the car, that person is probably covered by virtue of the fact that the car is covered. However, as we’ve seen, this kind of insurance does not cover everyone. There are qualifications for the drivers covered. Other types of coverage such as collision or comprehensive insurance will usually follow the car. These coverages will usually not “follow the driver” to any vehicle which the “covered” driver operates.

Insurance that follows the driver will usually be limited to some form of liability coverage.

When an insured drives someone else’s vehicle, such as a rental car, a dealership loaner, or a friend’s car, he is usually covered for liability insurance. However, other policies which may be deemed “primary” over the insured’s personal auto policy may also come into play.

Therefore, a very basic and often incorrect answer to the wrong question is that auto liability coverage generally follows the driver, while auto physical damage coverage generally follows the vehicle. However, more often than not, you will be asking the wrong question. As long as a driver has the vehicle owner’s permission to operate the vehicle, the owner’s policy will provide coverage no matter who the driver is. The vehicle owner’s policy should cover injuries and property damage. However, exceptions do exist. In most cases, therefore, the right question to ask would be “Is there insurance coverage under these specific facts?”

Insurance: Frequently Asked Questions

2015-08-19T08:30:00.000+08:00

FAQs on Claims

1. How do I make a claim?

You will need to fill out a Claim Form and submit the completed form together with those documents that are relevant to the nature of your claims and coverage.

2. Are original medical bills/invoices required to support my claim for hospital income and medical expenses reimbursement?

Claims for medical expenses must always be supported with original bills/invoices. For the hospital income claims, you will only need to submit photocopies of the hospital bills indicating the dates of admission and discharge as evidence of the hospitalization period.

3. If my medical expenses are being paid by my employer or are being considered for payment by another insurance company, am I still entitled to seek reimbursement from my medical insurance policy purchased from your company?

As medical claims are always paid on a reimbursement basis, you cannot be paid for any medical expenses that you did not incur personally. If your employer or another insurance policy is paying you in full for the medical expenses incurred, you are not entitled to claim any reimbursement from your medical insurance policy purchased from ACE Jerneh.

However, if there is any excess amount from the incurred medical expenses which is not paid by your employer or the other insurance policy, you are entitled to claim the excess amount from your medical insurance policy purchased from ACE Jerneh subject to the limits, terms and conditions of the policy.

4. Since medical expenses cover is on a reimbursement basis, why should I purchase another policy from your company when I am already insured with another insurance company or when my employer is paying for my medical expenses?

Besides medical expenses cover, ACE Jerneh’s insurance policies also provide other benefits such as hospital income, disability and death, depending on which policy you purchase. All these benefits are paid in addition to any other coverage that you may already have from your employer or policies you purchased from other insurance companies. Purchasing additional insurance with these benefits gives you additional protection.

5. Does ACE Jerneh provide a guarantee to hospitals for the payment of medical expenses incurred by your policyholders?

All policyholders are required to settle the hospitalization bill upon discharge and to submit the original invoices/bills to ACE Jerneh for reimbursement.

6. How fast does ACE Jerneh settle a claim for Accident and Health policies?

Our benchmark is to issue payment within 5 working days upon receipt of full documentation.

7. How is a death benefit paid under a PA insurance policy?

The death benefit is paid to the beneficiary nominated by the policy owner. In the case where no beneficiary is nominated, the death benefit will be paid to the legal representative of the deceased’s estate or alternatively to Amanah Raya Berhad (the corporatized government trustee) as provided by law.

8. Does your company pay for the cost of the medical report?

No. It is for the claimant to prove his claim with reasonable evidence and at his or her own expense.

9. Under what circumstances can I claim for hospital income?

Provided the reason for your hospitalization is one covered by the policy, a hospital income claim is only paid if the Insured Person is hospitalized for at least 24 hours as an inpatient in a licensed hospital.

10. How soon should a claim be notified?

Some policies may state a specific period to notify of a claim.You are advised to study your policy for the terms and conditions.

11. Does your company recognize traditional treatment?

Only from providers approved and licensed by the Health Ministry.

Auto Claims

1. How fast does ACE Jerneh settle damage repair claims?

Our benchmark is to approve damage repair claims within 3 days for non-severe damage upon receipt of the repair estimate/notification and within 5 days for extensive damage.

2. Can I send my car for repair at any PIAM authorized workshop?

No. you are required to send your car to ACE Jerneh’s appointed workshop or to the franchise workshop.

3. Does ACE Jerneh have panel workshops nationwide?

Yes. Please refer to the workshop panel list provided with your car insurance policy.

4. What is the time frame for notifying a claim?

Under condition 2(a) of the standard motor policy, you are required to notify in writing with full details as soon as possible.

5. What should I do when I am involved in an accident or if my car is stolen, and what documents do I need to submit?

Please refer to the claims guide attached to your motor policy.

6. Does ACE Jerneh pay for consequential loss or for hire of another car as a result of damage to my car in an accident?

No. Currently the standard comprehensive motor insurance policy will pay for the cost of repairs to your vehicle but not for any consequential losses as a result of damage to your car.

7. Does ACE Jerneh pay for the full sum insured in the event my car is rendered a total loss or stolen?

Payment for the total loss or theft of your car is on an indemnity basis. This means that we will pay you the market value prevailing at the time of the loss or up to the sum insured, whichever is lower.

FAQs on E-Payment

“WHY YOU SHOULD CHOOSE TO RECEIVE CLAIM PAYMENTS VIA DIRECT DEPOSIT INTO YOUR BANK ACCOUNT (i.e. “E-PAYMENT”)”?

1. Why should I choose to receive funds via e-payment?

Faster - funds should be available on the 2nd working from the day the payment was approved by the Company’s authorized personnel

Convenient - removes the need to travel and deposit the cheque at the bank as payments are credited directly into your bank account

Safer - misplaced, lost, fraud or expired cheques will no longer be an issue

2. Will there be any registration fee imposed if I want to use e-payment?

No, you can enjoy the service free of ANY charges.

3. What do I have to do to receive funds via e-payment?

You need to complete the Fund Transfer Authorisation Form (“the Form”) and provide your bank account information as stated in the Form when you submit your claims form.

4. What are the required supporting documents if I choose to receive e-payment?

The following original documents are required for verification:

i. National Registration Identity Card (“NRIC”), passport, or other acceptable identification documents; and

ii. A (a) Beneficiary’s bank statement; OR (b) Relevant page of the bank account showing beneficiary’s name and account number; OR (c) Details of beneficiary’s bank account printed from bank’s website; OR (d) Written confirmation from bank on your bank account details.

5. Is there any restriction on the type of bank account that can be assigned for e-payment?

You can assign any of your existing active saving or current account held under your name or in the case of a joint account that has your name as one of the accountholders. The saving or current account must be maintained with one of the financial institutions offering MEPS Inter-Bank GIRO (IBG) service.

Please refer to the following website for a current list of IBG members http://www.myclear.org.my/faqs/interbank-giro-faqs/

6. Can I change my bank account information?

Yes, you are allowed to change your bank account details by submitting a fresh Fund Transfer Authorisation Form together with the required supporting documents. No cost will be charged for this purpose.

7. When will my bank account be credited?

Payment will be made electronically into your bank account by your insurance company as soon as your claim has been approved. Generally, funds will be made available in your bank account within the same day of payment. However, depending on the processes adopted by your bank, you may receive the payment on the same day or a day after.

8. Will I be notified once the insurance company has made the payment?

Yes, our bank will send you an email notification to your email address as provided by you in the Form. Therefore it is important that you provide us with a valid email address in the Form.

9. How will my bank account information be used and will it remain confidential?

Your bank account details and other related information:

Will be used solely for the purpose of enabling payments to be credited directly into your bank account; and

Is protected under the Personal Data Protection Act 2010 (“PDPA”) that strictly prohibits the disclosure of such information to any person unless customer or his personal representative has consented or in situation that we are permitted to do so, in line with the requirements under the PDPA. It should be noted that by signing the Form to provide your bank account information, you will be authorising the disclosure of your bank account information to parties’ necessary to affect a payment to you e.g. insurance company, financial institutions, service providers

10. What will happen to funds that cannot be credited into my bank account?

If funds cannot be credited into your bank account due to, for example, incorrect bank account number, closed or inactive bank account, inconsistency of NRIC/Passport number or Business Registration number, you will be contacted by us or our agent to validate your bank account details. However, this may lead to unnecessary delay to the payment process. To avoid this issue, please ensure that your bank account details are correct and active upon providing such information to us. Otherwise, we will remit the payment to you via cheque.

11. Do I need to provide my bank account information separately for e-payment for each of my policy if I have more than one policy?

If you want all your payments to be paid to the same bank account, you need to indicate so to your insurance company at the point of submitting your claim form.

Alternately, you can opt to assign different bank accounts for each of your policy maintained with the same insurance company. To do so, you will need to provide your insurance company with the details of the bank accounts for each of your policy.

If you have more than one insurance company, you will need to inform every insurance company separately as bank account information is not shared with other insurance companies.

12. What if I die before the insurer pays out my claims proceeds and the bank has frozen my account. Where does the money go then?

All monies due to a policyholder in the event of his death will go to the administrators of his estate or to the nominees named in the policy.

13. I have previously claimed from an insurer and already provided my bank details. Do I need to re-submit all the bank supporting details to insurer every time I submit a claim?

It is recommended that you provide your bank details each time you submit a claim. This will ensure that your insurer is provided with the up to date bank details as there is always the possibility that you may overlooked informing your insurer of a change in your bank account.

14. Is it compulsory for a claimant/applicant to fill up the bank a/c section of the claim form? What If I do not wish to reveal my banking details – how do I get paid?

E-payment is the most efficient and safest mode of payment. However, in the event you do not wish to receive payments directly to your bank account, you need not provide us with your bank account details.

15. I am a foreign worker. I do not have bank account. Can I authorize payment to my employer’s bank account?

It is always advisable for an employee, either a Malaysian or a foreign worker to open a bank account. However, if a foreign worker does not have a bank account, he can authorize the payment to the employer’s bank account. This, however, is a private arrangement between the foreign worker and the employer. The insurance company will not be liable in the event the payment is not paid out by the employer to the employee.

16. I have been adjudicated a bankrupt and unable to open a bank account. How do I get paid?

If you have been adjudicated a bankrupt, then you would have to obtain Insolvency Office’s consent for your insurer to make the claim payment to the party approved by the Insolvency Office.

For FAQs on Goods & Services Tax (GST), please click here.

When is A Vehicle Considered a Total Loss?

2015-08-18T08:30:00.000+08:00

When and whether a vehicle involved in a collision is considered to be “totaled” for first-party insurance purposes is an issue of great angst and confusion for most consumers. We hear horror stories about older, functioning automobiles being “totaled” simply because the frame is bent or other seemingly minor and hidden damage occurs. Even insurance professionals can get turned around navigating the maze of rules and regulations regarding the act of “totaling” a vehicle under a policy. But it needn’t be all that complicated. This article will hopefully help take the guess-work out of when a car can be “totaled.”

Typically, cars are considered to be “totaled” when the cost to repair the vehicle is higher than the actual cash value (ACV) of the vehicle. Practically speaking, however, it is not always practical to repair a vehicle, even if the cost of repair is less than its ACV. A vehicle worth $4,000 requiring $3,000 in repairs might be considered “totaled” by an insurer even though the cost of repair is less than its value before the accident. Insurance companies will typically consider such a vehicle to be a total loss, even though the repairs are only 75 percent of ACV.

While the procedure varies slightly from state to state, the insurance company will typically take ownership of the totaled vehicle (known as “salvage”) and may obtain a “salvage title” for the vehicle. After it pays it’s insured the pre-loss ACV of the vehicle and forwards the certificate of ownership, the license plates and a required fee to the Department of Motor Vehicle (DMV), the DMV then issues a Salvage Certificate for the vehicle. In some cases, the vehicle is repaired, re-registered with the DMV, and then classified as a “revived salvage” or “salvaged” vehicle. Of course, if the insured wants to keep the “totaled” vehicle, the insurance company will deduct the value of the salvage from the claim payment.

The criteria for deciding when a car is a total loss and when it can be repaired vary from insurance company to insurance company and might even be dictated and controlled by state statute or regulation. Further complicating the issue is the fact that insurance companies do not all use the same sources for determining the value of a vehicle. The threshold used by your insurance company to make this determination can be discovered by calling your insurance agent. Insurance professionals, on the other hand, have to be familiar with these rules, criteria, and thresholds in all 50 states.

In determining whether a vehicle is totaled, insurance companies will calculate the total loss ratio (cost of repairs/actual cash value) and then compare this ratio to limits set either internally within the company and/or regulated and established by state law. It is also sometimes referred to simply as the damage ratio. Some states dictate how high this damage ratio needs to be in order to be able to declare a vehicle a “total loss” and be eligible for a salvage title or certificate. This is referred to as the Total Loss Threshold (TLT). In order to total a vehicle, the total loss ratio must exceed the established percentage. If the TLT is not dictated by the state, an insurance company will usually default to something known as the Total Loss Formula (TLF) which is:

Cost of Repair + Salvage Value > Actual Cash Value

If the sum of the first two quantities is greater than the ACV, the car can be declared a total loss. As an example, a damaged 2002 Toyota Echo with 185,000 miles in good condition has an ACV of approximately $2,800. Total repair costs are estimated at $2,000, for a damage ratio of 72 percent. The TLF would be used and, if the salvage were worth $700, the car would not be totaled ($2,000 + $700 < $2,800). Of course, states utilizing the TLF rely on and defer to the judgment and opinions of licensed appraisers.

Top 10: Worst Insurance Companies Deny Claims

2015-08-17T10:00:00.000+08:00

To identify the worst insurance companies for consumers, researchers at the American Association for Justice (AAJ) undertook a comprehensive investigation of thousands of court documents, SEC and FBI records, state insurance department investigations and complaints, news accounts from across the country, and the testimony and depositions of former insurance agents and adjusters. Our final list includes companies across a range of different insurance fields, including homeowners and auto insurers, health insurers, life insurers, and disability insurers.

Most Insured’s don’t know what their property damage is worth or how to handle the claims process. Licensed Public Adjusters are experienced in negotiating settlements and getting you the money you deserve.

Here is a list of the worst insurance companies and how they deny claims and raise premiums.

1. ALLSTATE

2. UNUM

3. AIG

4. STATEFARM

5. CONSECO

6. WELLPOINT

7. FARMERS

8. UNITEDHEALTH

9. TORCHMARK

10. LIBERTY MUTUAL

7 Tips to Find Cheap Car Insurance Companies

2015-08-16T08:30:00.000+08:00

Now that you know what kind of car insurance you need, it’s time to do a little more legwork to get a good deal.

Certain factors that affect your car insurance rates are largely beyond your control. These include basic demographics such as your age, gender, marital status, location, and job. But other factors, including what and how you drive, are easier to change. And everyone can comparison shop, exploit discounts, and consider bundling policies to find the cheapest car insurance companies, too.

Tip #1: Shop around

It’s a no-brainer, but it always pays to shop around for cheaper car insurance. Instead of wasting time making endless phone calls or filling out the same information on dozens of websites, save time by using an online quote tool. Online quote tools help you get a quick snapshot of potential rates from several auto-insurance companies at once.

The results of your search can surprise you. Don’t assume a certain provider will be the cheapest car insurance company because it was the case for your family or friends. So many factors affect your rate that you’ll never know which company will come out on top until you compare apples to apples. Use the tool below to start your search. Not every company will appear using our quote tool. GEICO, in particular, only quotes prices via its own website.

Tip #2: Bundle policies

Many car insurance companies will give you a discount if you have other policies with them. For instance, you may get a break on car insurance if you use the same provider for life, home, or renter’s policies. Bundled policies are convenient, too; you’ll be dealing with only one bill and one company.

A note of caution: Don’t automatically assume bundles will save you money. Companies that offer only auto insurance may offer compelling discounts to keep your business. Sometimes that means you get cheaper car insurance if you keep policies with separate insurers.

Tip #3: Boost your deductible

Your deductible is what you pay out of pocket before your insurance covers the rest of the cost to fix or replace your car. A plan with a $250 deductible will generally cost more than one with a $1,000 deductible.

For a real-world example, I plugged my own stats into a quote generator from Progressive, changing only the deductible to see how it would affect my rate. As mentioned earlier, I’m a married female in my early 30s driving a 2011 Hyundai Sonata. I live in a small southern city, have a clean driving record, and average 12,000 miles a year. With a $100 deductible on comprehensive and collision coverage, I would pay roughly $120 a month. Raising that deductible to $250 brought my bill down to about $100 a month. A $500 deductible reduced my monthly bill to $90, and a $1,000 deductible pushed it down to $82. That means I get to hold onto $456 if I go with the $1,000 deductible instead of the $100 deductible — not a bad sum.

However, raising my deductible is a good move for me only because I have $1,000 set aside in an emergency fund to cover the higher deductible. If you don’t have cash stashed away to pay the higher deductible in case of a crash or other calamity, raising your deductible isn’t the wisest move. Also keep in mind that factors such as your age and driving record will affect how much raising your deductible will save you.

Tip #4: Drive a low-risk car

Powerful, sporty luxury cars are always the most expensive to insure. These cars have the power to go extremely fast, and insurance companies know their drivers are more likely to get into trouble. These cars also cost a lot more to fix and are attractive targets for thieves — all situations your insurance company wants to avoid. The most expensive 2014 car to insure, the 545-horsepower Nissan GT-R Track Edition, will set you back about $3,169 a year in car insurance, according to Insure.com. Right behind it are a slew of luxury rides including the BMW M6, Mercedes-Benz CL550, and Porsche Panamera Turbo S, all of which average close to $3,000.

If you don’t have six figures to drop on a car, here’s some good news: Family-friendly vehicles including minivans, sedans, and smaller SUVs cost the least to insure. Their drivers tend to be more careful, ultimately filing fewer claims. These vehicles are simpler to fix and they aren’t quite as tempting for thieves. The cheapest car to insure, the Jeep Wrangler Sport, will set you back only about $1,080 a year. The Honda Odyssey LX, Jeep Patriot Sport, and Honda CR-V LX are similarly easy on the wallet.

Ultimately, the choice is yours, but a less-glamorous ride can help you nab cheap auto insurance.

Tip #5: Change your driving habits

Insurance is all about risk. If you get a speeding ticket every month, your bill will skyrocket. If you’ve had a clean driving record for years, you will have cheaper car insurance. Unfortunately, cleaning up a spotty driving record can take time.

A quicker way to save that’s often overlooked? Simply drive less. Consider your options carefully: Can you carpool? Work from home? Use mass transit or even move closer to your job? All of these options can help you save since less time behind the wheel means less chance of a claim. Be sure to tell your insurer about your new habits, though.

Tip #6: Maintain good credit

It may seem unfair, but the vast majority of car insurance companies look at your credit score to help determine your rate. If you have good credit, your insurer assumes you’ll be more responsible behind the wheel. Bad credit means you’re statistically more likely to file a claim, insurers say. According to consumer advocacy group United Policyholders, a rock-bottom credit score could mean you’ll pay double, triple, or even quadruple over someone with a perfect credit score.

This controversial practice is illegal in a four states: California, Hawaii, Maryland, and Massachusetts. If you don’t live in those states, you’ll want to work on raising your credit score in your quest for cheap auto insurance.

It’s time to save

Ready to get started? A little legwork now can save you big in the long run. And remember to re-evaluate your car insurance at least annually. Your own changing circumstances and old-fashioned competition always have the potential to hook you a cheap car insurance policy.

Now that you know what you need and how to save, compare rates from several car insurance companies to start your search. Our streamlined quote tool can help you get multiple cheap car insurance quotes quickly.

How to Get Cheap Car Insurance in 2015

2015-08-15T08:30:00.000+08:00

Whether you have a set of shiny new wheels or a decaying rust bucket, cheap car insurance is a must for staying legal on the road. The good news? You have more control over factors that influence your car insurance rates than those that affect other types of coverage, such as life insurance or home insurance. In this guide, I’ll outline seven strategies that will help you save on car insurance.

In a nutshell, those strategies are:

Shop around for cheap car insurance quotes using an online quote generator
Bundle your car insurance with other policies
Raise your deductible
Drive a low-risk car
Change your driving habits
Ask about discounts
Maintain good credit

The best way to begin, is just by getting a feel for different car insurance rates. Even if you don’t know what type of car insurance you need, it is beneficial to get a handle on how much insurance costs so you can budget. The online comparison tool below is the best place to start.

Once you’ve seen some rates, you need to dig in on discounts – the key to cheap car insurance rates.

Where to Find Car Insurance Discounts

Many car insurance companies have discounts that go beyond bundling or insuring multiple vehicles. There over 15 discounts offered by major car insurance companies and some of them are less obvious than you may think.

Driving Schools

Driving education is an often overlooked discount opportunity. Teen drivers are very expensive to insure but one great way to lower that burden is through defensive driving training. Drivers who have completed and passed and accredited driver’s ed class or defensive driving training are eligible for up to 10% discount according to DriversEd.com. Plus, if you’ve recently received a ticket, enrolling in a defensive driving course can prevent the premium hike on your insurance (though most companies only let you do this once every 12 months).

Defensive driving courses cover topics such as traffic laws, drug and alcohol impaired driving, and inclement weather driving and are often offered online or at commercial driving schools. Courses for defensive driving can be found through the DMV or through local community centers. In fact, defensive driving education is required in at least 15 states including Texas, Nevada, New Jersey, Virginia, Oklahoma, Oregon, New York, Iowa, Kansas, Nebraska, New Mexico, Louisiana, North Carolina, Illinois and Mississippi.

After completing a defensive driving course, participants will receive a completion certificate which can be presented to insurance companies in order to qualify for a discount. Depending on the insurance company, drivers may also have to re-take the course and be current on their certification in order to continue receiving the discount. Classes are flexible and offered on a consistent basis, however, and learning defensive driving skills is an easy way to save money and become a more comfortable driver. If you aren’t the only person covered on your auto policy, consider getting all the drivers on your policy to take a defensive driving and you can be eligible for additional discounts!

Good Student Discounts

These discounts are typically given to drivers under the age of 25 who are enrolled full-time at a high school or college/university and are maintaining at least a 3.0 grade point average or are on the honor roll or Dean’s List. In order to prove satisfactory academic achievement and receive the discount, students need a current transcript or a letter signed by a school administrator. Students that are homeschooled can present standardized test results, such as SAT or ACT scores, that within a desired percentile range depending on the insurance provider in order to qualify. Good grades can continue helping students save money even after school is out because some insurance companies extend this discount to post-grads for a limited amount of time.

Safe Driving Record Discounts

Drivers with a clean record, a standard that is determined by each individual insurance provider, are eligible for hefty discounts. Although there is no universal definition of safe driving, insurance companies generally mean avoiding collisions and accidents for which you can found at fault and avoiding moving violations such as speeding, driving under the influence, or reckless driving. Having a clean record can not only give you a discount on your insurance, it can save you a lot more money in the short term.

Resident Student Discount

Resident Student discount can be offered to students attending college more than 100 miles away from home. This discount is intended to be used exclusively by those students who are not planning to drive the insured vehicle while at school but may use it while they are home for vacations.

Other Discounts

Most insurance companies have Active-duty military and veterans discounts.
Discounts for car alarm or other safety equipment
Many insurers will even lower your rate if you pay in full or automate your payments.
Ask companies for a full list of discounts while you’re shopping since they may not publicize all of them.

The major types of car insurance

Though companies offer several more nuanced options and add-ons, the three major types of car insurance boil down to:

Liability coverage
Collision coverage
Comprehensive coverage

Liability coverage

Liability coverage, required by law in most states, covers the other driver’s personal injury and property damage in a crash where you’re at fault. Importantly, it does not cover your own injuries or property damage. Buying only liability insurance is always going to be your cheapest option, though not necessarily the wisest. Sometimes it makes sense to carry only liability coverage, and sometimes it doesn’t. More on this in a minute.

You’ll probably see your liability coverage written like this on your quote or car insurance policy: $50,000/$100,000/$50,000 (or 50/100/50). That means you have $50,000 in bodily injury coverage for each person, $100,000 in bodily injury coverage total, and $50,000 in coverage for property damage. Your state will require a minimum amount of liability insurance for you to stay legal.

Buying the bare minimum is tempting since it will keep your rates as low as possible. Unfortunately, that’s a bad idea — a bad crash can mean your costs will easily surpass low state minimums, and then you’ll have to pay up. If you don’t have the money, that will leave your other assets vulnerable.

Collision coverage

There is also collision coverage, which covers the damage to your own car sustained in a crash. Most commonly, this covers crashes when you’re at fault, but it may also pay in certain circumstances when another driver is at fault, or in scenarios not covered under your other policies. The cost of your collision coverage will largely depend on your car’s value, but you control the deductible — the amount you pay out of pocket before your insurance company picks up the rest of the tab.

Comprehensive coverage

True to its name, comprehensive car insurance covers almost any car-related calamity you can think of minus damage resulting from a crash. Instead, comprehensive policies pay for things like auto theft, damage from severe weather, or needed repairs after a late-night rendezvous with a disoriented deer. Comprehensive coverage is meant to complement collision coverage, not replace it. Like collision coverage, the cost will depend on your car but you control your deductible.

What type of car insurance coverage do I really need?

Comprehensive and collision coverage seem like a smart choice, but they come with a much heftier price tag than liability-only insurance. If you took out a loan to pay for your car, you probably don’t have a choice — your lender will require proof of comprehensive and collision coverage. And dropping comprehensive or collision coverage isn’t a good idea for anyone without the savings to pay for repairs out of pocket.

But there are situations when opting only for liability makes sense. For instance, if you drive an older, paid-off vehicle that you can easily fix or replace, keeping only liability coverage can mean significant savings. Comprehensive and collision coverage may also be overkill on any car you drive sparingly.

To see how much I would save on car insurance by nixing all coverage but liability, I plugged my own stats into a quote generator. I’m a married female in my early 30s driving a paid-off 2011 Hyundai Sonata. I live in a small southern city, have a clean driving record, and average 12,000 miles a year. A policy with 50/100/50 in liability, as well as comprehensive and collision policies with $250 deductibles, would set me back $45 a month. Dropping the comprehensive and collision policies would bring my bill down to just $24 a month.

Would I do it? No, since my car is still relatively new and would cost a significant sum to repair or replace. But let’s say I have a beat-up 2004 Nissan Altima with 150,000 miles on it. Replacing it would probably only cost about $2,000, a sum I could cover with my emergency fund if my car was totaled. Suddenly, potentially cutting my car insurance bill in half by dropping comprehensive and collision coverage makes a lot more sense.

Bottom line: Liability coverage is your cheapest option and will keep you legal on the road, but dropping collision and comprehensive coverage might be a risky move if it would be a major financial hardship to fix or replace your car.

Other types of coverage

There’s a number of other coverage types and add-ons. Of particular note is personal injury protection, which pays your own medical expenses after a crash. There’s also uninsured or underinsured motorist coverage, which means you won’t be left on the hook in a crash when an uninsured or underinsured driver is at fault in a crash with you and can’t afford to pay. Other add-ons pay for rental cars and roadside assistance.

If you’re trying to keep your bill low, personal injury coverage probably isn’t a smart buy as long as you have a good health insurance plan — there would be too much overlap between the two policies. However, uninsured and underinsured motorist coverage is a decent bet, especially in areas with a high percentage of uninsured drivers. It’s also fairly inexpensive: Adding both options to my GEICO quote boosted my monthly bill only a few dollars. As for other little add-ons, consider skipping them. If you can cover the cost of a rental (or borrow a car from a friend while you’re in a jam) rental-car riders are unnecessary, and an AAA membership is probably a better deal than roadside assistance coverage.

Top 100 Property and Casualty Agencies

2015-08-14T08:30:00.000+08:00

The Top 100 list is ranked by total property/casualty agency revenue for 2014 and comprises only those agencies whose business is primarily retail, not wholesale.

All information in this report has been garnered from voluntary online submissions from agencies and brokerages and best estimates based on other public information sources. There may be agencies eligible for listing but for which no information was received or located. Also, submitted data was not independently verified.

2015 Rank	Agency Name:	2014 Total P/C Revenue	Main Office City:
1	Lockton Cos.	$883,100,000	Kansas City, Mo.
2	Hub International	$834,706,000	Chicago, Ill.
3	USI Insurance Services	$485,324,937	Valhalla, N.Y.
4	Alliant Insurance Services Inc.	$410,103,460	Newport Beach, Calif.
5	AssuredPartners Inc.	$361,843,315	Lake Mary, Fla.
6	Confie	$353,550,000	Huntington Beach, Calif.
7	BroadStreet Partners Inc.	$221,720,000	Columbus, Ohio
8	Integro Ltd.	$187,780,000	New York, N.Y.
9	Leavitt Group	$151,896,714	Cedar City, Utah
10	Acrisure LLC	$151,629,066	Caledonia, Mich.
11	Crystal & Co.	$114,991,536	New York, N.Y.
12	EPIC (Edgewood Partners Insurance Center)	$112,906,889	San Francisco, Calif.
13	Insurance Office of America Inc.	$111,898,273	Longwood, Fla.
14	The IMA Financial Group Inc.	$103,055,947	Denver, Colo.
15	Wortham Insurance & Risk Management	$95,547,724	Houston, Texas
16	The Capacity Group	$94,231,122	Mahwah, N.J.
17	J. Smith Lanier & Co.	$91,928,213	West Point, Ga.
18	Hays Cos.	$87,400,000	Minneapolis, Minn.
19	NFP	$84,517,156	New York, N.Y.
20	Auto Insurance Specialists (AIS Insurnace)*	$83,545,000	Cerritos, Calif.
21	Heffernan Insurance Brokers	$82,392,338	Walnut Creek, Calif.
22	Risk Strategies Co.	$77,057,000	Boston, Mass.
23	Answer Financial*	$73,800,000	Encino, Calif.
24	Higginbotham	$73,710,000	Fort Worth, Texas
25	PayneWest Insurance	$69,337,718	Missoula, Mont.
26	INSURICA Insurance Management Network	$66,974,219	Oklahoma City, Okla.
27	Mesirow Insurance Services Inc.	$64,648,211	Chicago, Ill.
28	Hylant	$64,325,813	Toledo, Ohio
29	Woodruff-Sawyer & Co.	$64,200,000	San Francisco, Calif.
30	Assurance	$50,021,195	Schaumburg, Ill.
31	Frenkel & Co.	$46,553,000	New York, N.Y.
32	TWFG Insurance Services	$46,526,117	The Woodlands, Texas
33	Marshall & Sterling Enterprises Inc.	$46,053,598	Poughkeepsie, N.Y.
34	Eastern Insurance Group LLC**	$46,000,000	Natick, Mass.
35	SterlingRisk	$44,160,000	Woodbury, N.Y.
36	Bowen, Miclette & Britt, Insurance Agency LLC	$42,892,266	Houston, Texas
37	The Graham Co.	$40,166,881	Philadelphia, Pa.
38	Propel Insurance	$40,000,000	Tacoma, Wash.
39	Professional Insurance Associates Inc.	$40,000,000	San Carlos, Calif.
40	Houchens Insurance Group	$39,369,380	Bowling Green, Ky.
41	Starkweather & Shepley Insurance Brokerage Inc.	$38,800,000	East Providence, R.I.
42	Ascension Insurance Inc.	$36,754,000	Walnut Creek, Calif.
43	The Mahoney Group	$36,311,551	Mesa, Ariz.
44	InterWest Insurance Services LLC	$36,265,639	Sacramento, Calif.
45	Fisher Brown Bottrell Insurance Inc.**	$33,477,055	Jackson, Miss.
46	Lawley Insurance	$33,175,882	Buffalo, N.Y.
47	Andreini & Co.	$32,530,429	San Mateo, Calif.
48	Gowrie Group	$31,900,000	Westbrook, Conn.
49	Parker, Smith & Feek Inc.	$30,956,000	Bellevue, Wash.
50	TrueNorth Cos.	$30,177,384	Cedar Rapids, Iowa
51	The Horton Group Inc.	$30,166,771	Orland Park, Ill.
52	Charles L. Crane Agency Co.	$29,739,990	Saint Louis, Mo.
53	LMC Insurance & Risk Management Inc.	$29,415,000	West Des Moines, Iowa
54	Moreton & Co.	$29,123,000	Salt Lake City, Utah
55	Robertson Ryan & Associates Inc.	$28,976,764	Milwaukee, Wis.
56	Cook Maran & Associates	$28,760,000	East Hampton, N.Y.
57	Riggs, Counselman, Michaels & Downes Inc.	$27,407,235	Towson, Md.
58	Towne Insurance**	$27,394,861	Virginia Beach, Va.
59	James G. Parker Insurance Associates	$26,500,000	Fresno, Calif.
60	Haylor, Freyer & Coon Inc.	$26,063,173	Syracuse, N.Y.
61	Rich & Cartmill Inc.	$25,972,084	Tulsa, Okla.
62	Bouchard Insurance	$25,878,491	Clearwater, Fla.
63	Scirocco Financial Group Inc.	$24,724,797	Hasbrouck Heights, N.J.
64	Tolman & Wiker Insurance Services LLC	$23,347,278	Ventura, Calif.
65	Cobbs Allen	$22,849,162	Birmingham, Ala.
66	Bolton & Co.	$22,648,975	Pasadena, Calif.
67	Advanced Insurance Underwriters LLC	$22,575,000	Hollywood, Fla.
68	SullivanCurtisMonroe Insurance Services LLC	$22,259,000	Irvine, Calif.
69	Sihle Insurance Group	$21,892,766	Altamonte Springs, Fla.
70	HNI Risk Services	$20,924,000	New Berlin, Wis.
71	Ansay & Associates	$20,000,000	Port Washington, Wis.
72	TIS Insurance Services Inc.	$19,814,380	Knoxville, Tenn.
73	Lovitt-Touche Inc.	$19,621,460	Tempe, Ariz.
74	Arroyo Insurance Services	$19,322,912	Arcadia, Calif.
75	R&R Insurance Services Inc.	$18,725,000	Waukesha, Wis.
76	Wood Gutmann & Bogart Insurance Brokers Inc.	$18,705,552	Tustin, Calif.
77	ABD Insurance and Financial Services Inc.	$18,100,000	San Mateo, Calif.
78	Celedinas Insurance Group	$18,065,334	Palm Beach Gardens, Fla.
79	Insureon (new)	$18,000,000	Chicago, Ill.
80	CHS Insurance Services LLC	$17,799,724	Inver Grove Heights, Minn.
81	The Hilb Group (new)	$17,642,000	Richmond, Va.
82	Tompkins Insurance Agencies Inc.**	$17,581,000	Batavia, N.Y.
83	The Daniel and Henry Co.	$17,545,000	St. Louis, Mo.
84	John M. Glover	$17,500,000	Norwalk, Conn.
85	Rogers & Gray Insurance	$17,300,000	South Dennis, Mass.
86	Associated Financial Group LLC.**	$17,008,088	Minnetonka, Minn.
87	Insgroup Inc.	$16,800,000	Houston, Texas
88	Eagan Insurance Agency LLC	$16,170,706	Metairie, La.
89	AHT Insurance	$16,060,766	Leesburg, Va.
90	The Loomis Co.	$15,800,000	Wyomissing, Pa.
91	Otterstedt Agency	$15,585,147	Englewood Cliffs, N.J.
92	Associated Insurance Management Inc.	$15,570,343	Silver Spring, Md.
93	Shepherd Insurance	$15,455,318	Carmel, Ind.
94	Turner Surety & Insurance Brokerage Inc.	$15,382,000	Paramus, N.J.
95	Lipscomb & Pitts Insurance	$15,235,514	Memphis, Tenn.
96	The Buckner Co. Inc.	$15,234,122	Salt Lake City, Utah
97	Foa & Son Corp.	$14,755,225	New York, N.Y.
98	MJ Insurance Inc.	$14,699,696	Indianapolis, Ind.
99	Eustis Insurance and Benefits	$14,401,952	Metairie, La.
100	The Nitsche Group	$13,727,164	Giddings, Texas

Editor’s Note: * = Carrier Owned Agency; ** = Bank Owned Agency

Best Car Insurance Companies of 2015

2015-08-13T08:30:00.000+08:00

The best auto insurers offer more than just a low price.

The best car insurance companies offer comprehensive coverage, superior customer service, financial strength, and painless shopping experiences to get a leg up on their competition. The barrage of TV ads underscores that there’s no shortage of competition in the industry, either. Whether you’re staring at Progressive’s Flo or Allstate’s “Mayhem,” it’s hard to escape any commercial break without hearing from an auto insurer.

Fortunately, that’s good news for you. Competition usually translates into lower rates and better perks as companies battle for your business. In fact, my husband and I recently switched insurers and cut our car insurance costs by about 35%, all without reducing our coverage levels. All it took was a little time, and now we have a few hundred dollars back in our pockets each year.

Whether you’re new to car insurance or are simply shopping around for a better deal, here are the best car insurance companies, according to my research:

Best for Customer Service: State Farm
Best for Military Members and Their Families: USAA
Best for Claims Handling: Amica
Best for Policy Options: The Hartford
Read on to discover why these companies stand out from the competition. Further down, I’ll explain how I made my picks and discuss the pros and cons of using insurance agents or skipping them entirely.

Once you’re ready to search for the best auto insurance companies, enter your ZIP code in the quote tool below to find the best deals in your area. You can also learn about how to save on car insurance by reading our guide How to Get Cheap Car Insurance.

Top 100 P&C Insurance Companies, Ranked

2015-08-12T08:30:00.001+08:00

Farmers Insurance Exchange moved from No. 8 in 2012 to No. 7 in 2013. Chubb’s Federal Insurance Co. also gained a spot to rank No. 8, as did CNA Financial Corp.’s Continental Casualty company, which improved to No. 9.

USAA’s United Services Automobile broke into the top 10, moving up a spot from No. 11 to No. 10. Berkshire Hathaway’s National Indemnity was the only company to fall out of the top 10, dropping seven spots to place No. 14.

The top movers on the company list include two Liberty Mutual subsidiaries, Peerless Ins. Co. (which moved up the list from No. 33 to No. 12), and Employers Ins. Co. of Wausau (Wisc.), which moved up to No. 38 from No. 75. This can be attributed to Liberty Mutual’s termination of the longstanding Peerless Insurance Pool, after which the pool’s participants were added to the Liberty Pool, led by Liberty Mutual Insurance Co. Under the terms of the pooling agreement, effective Jan. 1. 2013, Peerless Ins. Co. and Employers Ins. Co. of Wausau (Wisc.) receive pooling percentages of 20% and 8%, respectively, driving the companies’ changes in rank year over year.

Berkley Insurance Co. moved up a no-less-impressive 32 slots to No. 13 from No. 45, due in part to a large intercompany pooling arrangement introduced back on Jan. 1, 2013 in which previous insurer groups including Berkley Insurance Group, Berkley Regional Group, Admiral Group and Nautilus Group were collapsed and essentially all of Berkley’s U.S. subsidiaries were combined into one large pool.

Among the biggest combined-ratio improvers in NU's Top 100 Companies, ranked by net premiums written: Liberty Mutual Ins. Co., whose combined ratio fell more than 18 points to 102.20; State Farm Fire & Casualty Co., which improved more than 14 points to 90.57; and Chubb-owned Federal Insurance Co., which boasted a combined ratio of 82.70 after a 12.88-point improvement year-over-year.

Click on the chart image below for a closer look.

Top 10 financial and insurance companies to work for in 2015

2015-08-12T08:30:00.000+08:00

It’s that time of the year again, when companies feel extra special for having made the list of Fortune magazine’s "100 Best Companies to Work For." And while it’s great to have lists like these because it fosters improvement, it’s also great to see what these companies are doing and how advisors, agents, brokers, business owners and the most important part that make up these corporations -- employees -- can emulate them and grow.

But, how do they do it? Fortune deploys its research teams and conducts extensive employee surveys in corporate America, according to their methodology. Two-thirds of a company’s rankings are based on the results of the Trust Index Employee Survey, sent to a random sample of employees of that company, Fortune says. The survey asks questions about management’s credibility, overall job satisfaction and camaraderie. The other third is based on responses on the Culture Audit, which is a more detailed survey about benefits, communication, hiring practices, pay and other categories. If you want to learn more about it or nominate a company, go here.

Keep reading to find out which financial and insurance companies made it on the list this year. Their ranks are listed according to Fortune’s list, and our list goes from the lowest rated to the highest rated. And there are some surprises along the way…

Pelaksanaan Kursus i-THINK Secara Luar Talian di Semua Sekolah 2015

2015-08-10T12:51:00.000+08:00

Salam Sejahtera dan salam hormat,

Sukacitanya dimaklumkan bahawa Kursus i-THINK dalam talian KiDT telah ditutup pada 21 April 2015 bagi menjalani proses penyerahan dan migrasi ke dalam sistem KPM oleh Agensi Inovasi Malaysia (AIM) yang dijangka akan selesai pada penghujung bulan Jun 2015.

Sementara itu, KPM menyediakan Kursus i-THINK Secara Luar Talian (Offline) yang boleh dimuat turun melalui laman sesawang KPM di http://www.moe.gov.my/v/ithink atau di pautan di bawah. Pengguna boleh memuat turun Aplikasi Kursus i-THINK Luar Talian ini mulai 15 Jun 2015.

Aplikasi Kursus i-THINK Offline ini boleh dilancarkan dalam komputer peribadi atau komputer riba setelah dimuat turun dari lama sesawang KPM sebagai latihan kendiri sehingga Aplikasi KiDT disambung semula pada 1 Ogos 2015.

Sekian. Terima Kasih

Lampiran:
i-Think Offline.pdf

DOWNLOAD MODUL i-Think Offline di sini:

---> MODUL i-Think Luar Talian <----

Selamat Ber i-think Semua

KURSUS I-THINK SECARA LUAR TALIAN 2015

2015-08-08T22:03:00.001+08:00

Bahan kursus luar talian bagi i-THINK 2015 boleh dimuat turun mulai 16 Jun 2015. Pengguna harus juga mempunyai pelayan web IE versi 10 dan ke atas apabila menggunakan bahan ini. Sila klik di pautan ini :

http://www.moe.gov.my/v/ithink

SENARAI BAHAN KURSUS (Download)
Terdapat DUA CARA untuk men-download i-THINK OFLINE.

CARA PERTAMA
Langkah 1:
PANDUAN INSTALASI APLIKASI KURSUS I-THINK LUAR TALIAN

Langkah 2:
JOINER.EXE

Langkah 3:

MUAT TURUN MENGIKUT MODUL (Modul Pembelajaran Kendiri)
Versi BM	Versi BI
i-THINK BM 1	i-THINK BI 1
i-THINK BM 2	i-THINK BI 2
i-THINK BM 3	i-THINK BI 3
i-THINK BM 4	i-THINK BI 4
i-THINK BM 5	i-THINK BI 5
i-THINK BM 6	i-THINK BI 6
i-THINK BM 7	i-THINK BI 7
i-THINK BM 8	i-THINK BI 8
i-THINK BM 9	i-THINK BI 9
i-THINK BM 10	i-THINK BI 10
i-THINK BM 11	i-THINK BI 11
i-THINK BM 12	i-THINK BI 12
i-THINK BM 13	i-THINK BI 13

Langkah 4:
Gabungkan kesemua i-THINK BM/BI 1 - 13 menjadi satu dengan menggunakan JOINER.EXE. Lihat panduan cara menggnakan JOINER.EXE dalam langkah 1.

CARA KEDUA
Download modul kompolasi pilihan anda:

i-THINK BM KOMPILASI @ i-THINK BI KOMPILASI

Selamat Berkursus

Convert Torrent ke Direct Download Free

2015-08-08T15:57:00.000+08:00

1. Register di SINI. terus boleh pakai: https://goo.gl/1hhqkK
2. Kalau belum ada account, kena create dulu...

3. Lepas create, buka email dan validate acc kalau daftar guna email. ataupun boleh login guna google+ ataupun facebook.

4. Pastu klik anak panah kebawah tu pilih "add files to hive"

5. Buka TPB atau KAT cari torrent yang nak download dan copy magnet link dan paste kan link pada ruangan "paste".

6. Link anda akan auto download pada bahagian bawah sekali. Bila selesai download klik pada bahagian "transfer" klik dua kali pada file anda untuk download.

7. Woa... free. ini contoh... boleh guna Download Manager..

contoh 1:

contoh 2:

Selamat mencuba..

Tips and Trick: How-to find interesting video, sound and image files in unprotected directories

2015-07-16T13:01:00.000+08:00

First of all, what’s an unprotected web directory? It’s one that does not have an “index” file created for it–index.htm, index.html, index.php or some other more rarely used file types. If you try to access a non-password controlled directory that does not have an index file, the system will build a listing of files that are within the directory. If you get that, you can then click on the files and run them with a viewer or player or even download them.

I have to say I have not had this much fun with Google for a while! It’s just plain crazy seeing what people have stashed away in their web sites. (Please, don’t steal copyrighted music–I’m really against that. You can buy it for a buck a song anyway.) I think the absolute most fun you can have with this is to watch the movies you run across. I watched a hilarious British TV commercial, some interesting home videos, and some, well, you know, very interesting other types of videos.

So let’s get to the nitty gritty details. We need to construct a Google search query that searches for and recognizes these system built directory pages. Here’s what one looks like:

The words “Index of /” are common to these pages, and they end up in the “title” of the page. Unfortunately, Google sees the slash is a “stop word” so we cannot search for that. But, the problem is that without the slash there are all sorts of other pages that have the words “Index of” that are regular web pages. So, we need to find something else that is common. Within the page there are the headings of “name,” “last modified,” “size” and “description,” followed by the word “Parent Directory.” The combination of these words in the page body, and the “Index of” in the title should provide a pretty clean search, especially when we use the -inurl operator to exclude regular web pages that might have the same wording in them. (If all this has you confused, please read the Google Tutor Google Search Manual while referencing the sample queries below.)

So, for starters here is a query that will give you a search results page of unprotected directories:

[-inurl(html|htm|php) intitle:index of +last modified +parent directory +description +size]

But, this is kind of boring. Too many unknown program files, text files, web pages etc. Let’s narrow it down. You can narrow it down by looking for something in the name of a file in the list, or by the file type, or both.

For example, this query tries to find any types of files about Jennifer Lopez. Within the directories I found music, image and movie files.

[-inurl(html|htm|php) intitle:"index of" +"last modified" +"parent directory" +description +size +"jennifer lopez"]

Let’s say that we wanted to find any movie files in WMV or AVI format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(wmv|avi)]

Or audio files in WMA or MP3 format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(wma|mp3)]

Or images in JPG or GIF format:

[-inurl:(htm|html|php) intitle:"index of" +"last modified" +"parent directory" +description +size +(jpg|gif) ]

You can get more specific by specifying both the file types and a search word to hopefully find in the name. For example, the following will attempt to find the infamous Paris Hilton video tape:

[-inurl:(htm|html|php) intitle:â€index ofâ€ +â€last modifiedâ€ +â€parent directoryâ€ +description +size +(wmv|avi) "paris hilton"]

Or, you can even take a guess at the file name someone might call it:

[-inurl:(htm|html|php) intitle:â€index ofâ€ +â€last modifiedâ€ +â€parent directoryâ€ +description +size +("paris_hilton.wmv"|"paris_hilton.avi")]

So there you go. You can combine various search terms and experiment with this. As you’ve seen, this is not an exact science. The directory pages you bring up may have many or even all files which are unrelated to what you are looking for. But, it does make some good hits very often.

I find the most fun searching for movies with an interesting or provocative search term and seeing what comes up. The samples in this article are rather safe and boring, but I’m sure you all have some good ideas of what to try and search for. Do me a favor and post a comment with some interesting queries you’ve had success with, or crazy files that you’ve found (as long as nothing private is given out).

Usus Dipotong Dua Kali Akibat Makan Mi Segera

2015-07-14T15:08:00.001+08:00

Maksud hati membantu suami menambah penghasilan, apa daya anak jadi korban. Akibat kerap meninggalkan buah hatinya, Hilal Aljajira (6), Erna Sutika (32) kini harus menelan pil pahit. Usus Hilal bocor dan membusuk hingga harus dipotong. Rupanya tiap hari Hilal hanya menyantap mi instan karena di rumah tak ada orang yang memasakkan makanan untuknya. Berikut cerita Erna.

Saat usia Hilal menginjak 2 tahun, aku memutuskan bekerja, membantu keuangan keluarga mengingat penghasilan suamiku, Saripudin (39), kurang mencukupi kebutuhan keluarga.

Aku bekerja di perusahaan pembuat bulu mata palsu, tak jauh dari rumah kami di Garut. Setiap berangkat kerja, Hilal kutitipkan kepada ibuku. Di situ, ibuku kerap memberinya mi instan. Bukan salah ibuku, sih, karena sebelumnya, aku juga suka memberinya makanan itu jika sedang tidak masak.

Ternyata, Hilal jadi “tergila-gila” makanan itu. Ia akan mengamuk dan mogok makan jika tak diberi mi instan. Ya, daripada cucunya kelaparan, ibuku akhirnya hanya mengalah dan menuruti kemauan Hilal. Lagi pula, kalau tidak diberi, Hilal pasti akan membeli sendiri mi instan di warung dekat rumah dengan uang jajan yang kuberikan. Praktis, sehari dua kali ia makan mi instan.

Dua kali dipotong

Kamis, 20 November 2008, Hilal mengeluh sakit perut. Kupikir sakit biasa. Anehnya, setelah tiga hari, sakitnya tak kunjung hilang dan ditambah ia tidak bisa buang air besar. Gara-gara itulah perutnya membesar.

Khawatir, kubawa Hilal ke mantri dekat rumah. Karena tetap tidak ada perubahan, kami kemudian membawanya ke RSU Dr Slamet, Garut. Ternyata hasil pemeriksaan dokter lebih menyeramkan dari yang kuduga. Kupikir, cukup dengan obat pencahar perut, sakit Hilal bisa segera sembuh. Rupanya tak segampang itu.

Hasil tes darah dan rontgen memperlihatkan, Hilal harus segera dioperasi karena beberapa bagian di ususnya bocor dan membusuk. Ketika kutanyakan apa penyebabnya, dokter menjawab, akibat dari kandungan makanan yang Hilal konsumsi selama ini tidak sehat dan membuat ususnya rusak. Saat itulah kutahu Hilal terlalu sering menyantap mi instan. Astagfirullah….

Atas rujukan dokter, kami kemudian membawa Hilal ke RS Hasan Sadikin, Bandung, dengan alasan peralatan medis di RS itu lebih lengkap. Sejak awal, tim dokter sudah pesimistis dengan kondisi Hilal yang begitu memprihatinkan dengan berat badan yang tidak sampai 11 kg. Dokter juga bilang, dari puluhan kasus serupa, hanya tiga orang yang bertahan hidup. Aku hanya bisa berserah pada Allah SWT.

Baru pada 25 November 2008 operasi dilakukan di RS Immanuel, Bandung. Saat itu aku sedang hamil tiga bulan. Dokter mengamputasi usus Hilal sekitar 10 cm. Untuk menyatukan bagian usus yang terputus itu, dokter menyambungnya dengan usus sintetis. Selain itu, dokter juga membuat lubang anus sementara (kolostomi) di dinding perut sebelah kanan.

Utang belum lunas

Ternyata cobaan kami belum berakhir sampai di situ. Tiga hari kemudian, dokter menemukan masih ada bagian usus yang bocor. Mau tidak mau, Hilal harus kembali naik ke meja operasi dan merelakan sebagian ususnya lagi.Jelas, aku dan suami sangat ingin Hilal sembuh. Namun, di sisi lain, penghasilanku sebagai buruh tidaklah seberapa. Setiap bulan, aku hanya bisa membawa pulang uang Rp 250.000 atau Rp 300.000 kalau lembur. Adapun suamiku penghasilannya tidak pernah menentu. Maklum, ia hanya kuli kasar di pabrik tahu di Bandung.

Sejak Hilal jatuh sakit, aku memutuskan berhenti bekerja. Alhasil, suamiku harus banting tulang mengerjakan pekerjaan apa pun asal menghasilkan uang. Kendati sudah bekerja begitu keras, rasanya sia-sia saja. Biaya operasi Hilal yang mencapai Rp 16 juta terasa begitu besar dan entah kapan bisa dilunasi. Apalagi, kami hanya punya waktu 10 hari untuk melunasinya. Untung pihak rumah sakit berbaik hati memberi kelonggaran waktu dua hari sehingga kami masih sempat meminjam uang ke beberapa keluarga dan tetangga.

Demi kesembuhan Hilal pula, kami harus lebih berhemat. Rumah kontrakan kami tinggalkan dan kami menumpang di rumah orangtuaku. Sebenarnya uang kontrakan rumah itu tidak terlalu besar, hanya Rp 300.000 per tahun, tapi tetap saja uang sebesar itu sangat berarti untuk biaya pengobatan Hilal.

Kata dokter, kolostomi di perut Hilal sudah bisa ditutup setelah tiga bulan. Namun, baru setelah delapan bulan kemudian, tepatnya 23 Juli 2009, operasi penutupan dilakukan. Apalagi kalau bukan masalah biaya. Itu pun bisa dilakukan karena kami dapat bantuan dari sebuah stasiun televisi swasta sebesar Rp 14 juta.

Soal utang ke keluarga dan tetangga sebesar Rp 16 juta, entah kapan bisa kami selesaikan. Kepalaku jadi tambah pening bila mengingat, sebentar lagi si sulung, Panda Erdini (11), akan masuk SMP.

Sejak ususnya yang busuk dipotong, Hilal tidak lagi merasakan sakit pada bagian ususnya. Celakanya, rasa sakit justru berpindah ke bagian kolostominya. Setiap kali habis makan, makanan itu pasti langsung keluar melalui lubang anus buatan itu. Saat itulah dinding perutnya merasakan sakit yang luar biasa. Ia bisa menangis menjerit-jerit kesakitan.

Belum lagi plastik yang menempel untuk menampung feses yang penuh dan harus diganti dengan yang baru. Double tape yang sering kali dilepas dan dipasang membuat kulit perutnya iritasi dan perih.Jika sudah tak bisa menahan sakitnya, Hilal akan berujar, “Udah Hilal paeh aja! (Hilal lebih baik mati saja!)” Kadang juga ia berteriak minta maaf kepada Allah dan minta disembuhkan sambil mengatupkan kedua tangannya. Kasihan anakku.

Setiap hari, selama delapan bulan itu, ia hanya menghabiskan waktunya di tempat tidur. Hilal hanya mampu berjalan beberapa menit karena jika terlalu lama ia pasti langsung merasakan sakit di bagian kolostominya. Setiap malam, ia juga harus tertidur dengan paha diangkat menyentuh ke perutnya. Katanya, terasa enak dan membantu menahan rasa sakitnya.

Kapok Makan Mi

Agar ia tidak merasa bosan di kamar seharian, aku mengalihkan rasa sakitnya dengan mengajarinya membaca. Awalnya, sih, sekadar membacakan buku-buku cerita untuknya, tapi lama-kelamaan ia merasa tertarik untuk membaca. Aku dan Panda bergantian mengajarinya. Tidak terasa, saat ini ia sudah lancar membaca, lo.

Memang, sebetulnya Hilal anak yang sangat pintar dan aktif. Sebelumnya ia tidak pernah sakit dan sangat penurut. Namun, sejak kelahiran adiknya dua bulan lalu, Ilham Haki, ia menjadi lebih manja padaku. Ia melarangku menggendong dan menyusui adiknya. Aku, sih, maklum saja karena dia masih sakit dan mungkin takut rasa sayangku direbut oleh adiknya.

Sekarang Hilal sudah bisa berjalan lagi. Memang, sih, masih sedikit bongkok, tapi aku yakin dalam waktu dekat ia bisa berdiri dan berjalan dengan sempurna. Katanya, ia ingin segera sekolah.

Yang membuatku lega, sejak sakit itu, Hilal trauma dengan mi instan. Bahkan melihatnya saja, dia seakan tak sudi. Beda dengan dulu, sekarang ia sangat senang mengonsumsi makanan sehat, seperti sayur, daging, buah, dan susu. Susu memang dianjurkan dokter untuk membantu memperbaiki kondisi dan kinerja ususnya.

Mudah-mudahan ia bisa segera sembuh dari sakitnya dan menjadi anak yang pintar serta berprestasi di sekolahnya nanti.

SISTEM PERMOHONAN KE TINGKATAN SATU (1) SEKOLAH SENI MALAYSIA AMBILAN 2016

2015-07-13T13:21:00.001+08:00

SISTEM PERMOHONAN KE TINGKATAN SATU (1) SEKOLAH SENI MALAYSIA AMBILAN 2016 SECARA ONLINE telah dibuka mulai 26 Mei 2015.Untuk memohon sila ke pautan sistem 'e-SSeM' di web KPM www.moe.gov.my.
Permohonan ini dibuka sehingga 5 September 2015. Sebarang pertanyaan hubungi Puan Zuraini Abu Hassan di talian 03-88721620 di Bahagian Kokurikulum dan Kesenian, KPM.

Pengambilan tahun ini untuk mengisi sekolah seni Sabah di Sandakan.

Mohon promosikan kepada ibubpa dan murid-murid tahun 6 2015..kita sama2 membantu mempromosikn permohonan supaya jumlah yang diperlukan mncukupi untuk mewujudkan sekolah seni Sabah..