Saturday, 29 September 2012

Tottenham beats Man United 3-2 in Premier League

MANCHESTER, England (AP) Tottenham ended 23 years of hurt with a 3-2 victory over Manchester United in the English Premier League on Saturday for the north London side's first win at Old Trafford since 1989.

Spurs had not beaten United since 2001 but wasted little time in showing their intent on this occasion when defender Jan Vertonghen struck a Gareth Bale pass into the bottom left corner of the goal in the second minute.

Bale doubled the advantage in the 32nd with his first goal of the season. The Welsh midfielder took a pass from Mousa Dembele near the center circle and made a diagonal run through the United half to his right before shooting across goalkeeper Anders Lindegaard into the bottom left corner.

Nani pulled one back from a Wayne Rooney cross early in the second half to start a flurry of three goals in three minutes.

Clint Dempsey restored Spurs' two-goal lead a minute later in the 52nd when he tucked in the rebound from a Lindegaard save of a Bale strike, but Shinji Kagawa immediately cut the visitors' lead to 3-2.

Tottenham endured a torrid half hour to end the match as goalkeeper Brad Friedel made a string of saves to preserve the win.

The result ended one of English football's longest winless streaks, as well as raising more questions over United's ability to regain the Premier League title as they slipped four points behind leader Chelsea, which earlier beat Arsenal 2-1 at Emirates Stadium.

Despite taking an early lead and twice leading by two goals, Tottenham never looked comfortable in the game.

Vertonghen opened the scoring when he strode between Nani and Carrick, drove into the United box and found the corner of Lindegaard's net.

The Belgian defender's shot took a significant deflection off Jonny Evans, but Vertonghen deserved his slice of good fortune for the adventure he had shown to take himself into a scoring position.

Rather than sting United into action, the early goal merely further encouraged the visitors.

Bale reveled in the open spaces between Paul Scholes and Rio Ferdinand, with the former looking all of his 37 years during a below-par first-half display.

When Robin van Persie lost possession on the edge of the Tottenham area, Dembele thundered upfield with purpose, leaving Scholes in his wake.

Bale took up the running from his teammate and duly sped past Ferdinand and into the box before beating Lindegaard to make it 2-0.

After resisting the temptation to name Rooney alongside Van Persie for the first time, United manager Alex Ferguson brought on the England forward to replace Ryan Giggs at the break.

The move helped trigger a burst of three quickfire goals.

Rooney provided the assist for Nani's close-range effort, curling a low cross to the near post that invited the clinical finish.

Van Persie could claim the credit for United's second as he threaded a precise pass through the Tottenham defence that allowed Kagawa to beat Friedel.

Crucially, though, Tottenham struck their third goal in between United's brace, Bale once again exposing poor defending as he surged forward, and when Lindegaard was unable to hold the Welshman's low shot, Dempsey was on hand to slot home the rebound.

Rooney thudded a brilliant free kick against a post before Van Persie's dismal attempt to finish off a Carrick pass suggested that it might not be United's day.

Tottenham needed to stand firm against the incessant wave of attacks.

William Gallas clattered into a post in an attempt to keep Nani's far-post cross away from Rooney, then Friedel turned away a Scholes strike.

Carrick's header almost sneaked in but dropped against the angle of post and bar instead.

United continued to surge, but it was not its day, after 23 years.


Courtesy of ScoreMobile (http://m.thescore.com/scoremobile)
Sent by Maxis from my BlackBerry® smartphone

Tuesday, 25 September 2012

Pelan TH2150 PruBSN Takaful


1. Kad Perubatan (Medical Card)
  • Had Seumur Hidup (Lifetime Limit)  RM50,000 - RM1.5 Juta
  • Elaun Harian (Daily Allowance)       RM300 sehari / day
  • Bilik (Wad)                                    RM100 - RM400 sehari / day
  • Co-Insurance                                 RM300 - RM1,000 per claim
                                                             (no need to pay if have elaun harian)


2. Penyakit Kritikal (Critical Illness)
  • RM100,000
  • Simpanan Auto hingga umur 80 (Auto save till 80 years old)
3. Hilang Upaya Kekal (Total Permanents Disability)
  • RM100,000
  • Elaun tahunan RM10,000 (Yearly Allowance RM10,000)
4. Kematian (Death Benefit)
  • RM100,000
  • Khairat Kematian RM2,000 (perbelanjaan pengkebumian)
5. Kemalangan (Accident)
  • Kematian (Death Benefit              RM200,000          
  • Hilang Upaya Kekal 
         (Total Permenant Disability)         RM200,000
  • Elaun Tahunan 
         (Yearly MC Allowance)                RM10,000
  • MC (Weekly Indemnity)               RM10,000
6. Simpanan Terkumpul (Saving Accumulation)
  • Dana Tabarru' (sumbangan kepada yang memerlukan/ zakat)
  • Prinsip Syariah
  • Pengurusan Syariah


Boleh digunakan oleh:

  1. Selepas bersara hingga umur 70 - 80 tahun
  2. Personal backup 
    • In case medical card under company exceed limit/ terdapat exclusion
     3.   Anak (Child)
    • Untuk saving so bila mereka dah lepas sekolah menengah dan ingin menyambung pelajaran ke kolej or universiti mereka boleh withdraw wang simpanan tersebut + cash value daripada investment
     4.  Suami isteri (Spouse)
    • 'Love plan' dimana pasangan masing- masing dapat menggunakan benefit tersebut bersama- sama
    • Umpamanya jika sesuatu berlaku kepada pasangan dimana pasangan tidak boleh bekerja lagi maka bayaran premium akan dipadamkan dimana pihak insuran yang akan meneruskan pembayaran tersebut sehingga polisi anda tamat. Anda masih boleh enjoy benefit- benefit yang lain tanpa bayaran.
     5.   Ibu bapa (Parent)
    • Protection untuk parent sekirangnya anda tidak berupaya untuk menyara mereka lagi, sekurang- kurangnya anda mempunya saving masa depan untuk anda juga untuk mereka. Tambahan jikan anda merupakan satu- satunya harapan mereka
     6.  Badget 
    • RM180 bagi pelan diatas
    • RM150 bagi pelan RM30,000
    • Jika anda mempunyai badget tertentu dan ingin mengetahui berapakan coverage yang akan anda perolehi, sila e- mail or sms kepada saya:
      • age next birthday
      • gender
      • smoking status
      • occupation
      • frequency of payment (monthly/ quarterly/ half yearly/ yearly)
      • payment method (cash/ cheque/ credit card/ auto debit (potongan melalui akaun bank))

Term- term:
Critical Illness = 36 critical illness such as stroke, heart attack, coma, kidney failure, diabetes, AIDS etc
Dana- dana for investment = Dana Urus, Dana Ekuiti Dana Bon

SMS butir diri ke 017 511 2737

Sunday, 23 September 2012

Van Persie gives Man United 2-1 win at Liverpool

LIVERPOOL, England (AP) Robin van Persie's penalty kick gave Manchester United a 2-1 victory over 10-man Liverpool on Sunday, settling a heated Premier League meeting between the fierce rivals after emotional tributes were paid to the Hillsborough disaster victims.

Van Persie beat Liverpool goalkeeper Pepe Reina in the 81st minute after Antonio Valencia was fouled by Glen Johnson.

United fell behind at the start of the second half when Liverpool captain Steven Gerrard scored despite the hosts having Jonjo Shelvey dismissed before the break.

Defender Rafael da Silva equalized five minutes later, curling the ball past Reina, and Van Persie's winner prolonged winless Liverpool's worst start to a season in more than 100 years.

Before kickoff, both teams paid tribute to the 96 Liverpool fans who died at Hillsborough in 1989.


Courtesy of ScoreMobile (http://m.thescore.com/scoremobile)
Sent by Maxis from my BlackBerry® smartphone

Teh Panas tingkat risiko KANSER TEKAK

Mereka yang gemar minum teh panas berisiko mengidap barah tekak dan merosakkan peti suara,dua kali ganda berbanding meraka yg minum tea suam (penyelidik universiti perubatan sains Tehran)
Berdasarkan kajian tea terlalu panas meransang pertumbuhan sel barah malah boleh merosakkan peti suara..Bagi penggemar tea dinasihatkan minum ketika ia suam

Gejala Penyakit
Antara gejala awal adalah telinga kerap berdengung manakala deria pendengaran tidak berfungsi dengan baik.
Pada peringkat seterusnya penyakit ini dapat dikesan apabila gangguan fungsi berlaku di bahagian hidung,telinga,mata dan saraf sehingga berlarutan ke leher. Sehingga kini tiada ubat khas utk pengidap penyakiit ini,hanya terapi diberikan.

Terapi yg dijalankan selama 5 hingga 7 minggu dapat membunuh sel barah. Antara kesan akibat terapi ini mulut akan terasa kering,hilang pendengaran,keguguran rambut,mual dan hilang tenaga.

Sebaiknya dapatkan Kad Perubatan dari PruBSN Takaful..sakit datang takde signal..sms detail utk free quotation..0175112737

Sumber : BH 23/9/2012
Sent by Maxis from my BlackBerry® smartphone

Saturday, 22 September 2012

Betulke PEROKOK juga ada hak ?

Ya..untuk mengetahui hakikat sebenar di sebalik harga sebatang ROKOK


Dengan membayar 50sen utk sebatang rokok , anda sebenarnya membelanjakan : 





1) 24sen utk cukai tembakau
2) 14sen utk untung pengilang rokok
3) 5sen utk peruncit 
4) 1sen untung pemborong/pengedar
5) 1sen utk penanam tembakau


NILAI SEBENAR ROKOK HANYALAH 5 SEN!!

Setiap rokok yang dihisap , anda sebenarnya menghadiahkan diri dengan..

= 20x lebih kanser paru-paru
= 10x lebih ancaman sakit paru-paru
= 10x lebih saluran darah tersumbat
= 4x lebih serangan jantung
= 2x lebih risiko serangan strok
= 50% risiko kematian akibat tabiat merokok

Paling utama anda menghadiahkan penderitaan kepada orang yang tersayang..

Nak merokok terpulang,tapi ambilah pelan Takaful...ambil MEDICAL CARD
Kos rawatan penyakit berkait rokok ni mahal..
Sms utk bantuan..0175112737

Infoline berhenti merokok
03 88834400

Sent by Maxis from my BlackBerry® smartphone

Thursday, 20 September 2012

Tahap penyakit Kanser Payudara ... perlu tahu

Sehinggalah waktunya pencegahan barah payudara ditemui, usaha menangani penyakit tersebut adalah terletak kepada keupayaan untuk mengesannya pada peringkat terawal serta mendapat rawatan penyakit tersebut.
Tahap-tahap kanser selalunya merujuk kepada keadaan kanser payudara selepas penyiasatan, yang selalunya termasuk siasat bedah ataupun biopsi. (Biopsi adalah suatu penyiasatan di mana sedikit tisu payudara akan diambil untuk kajian makmal). Kelenjar limfa di ketiak juga diperiksa untuk mengenal pasti adakah kanser telah merebak ke limfa (lymph nodes).  Tetapi, tahap hanyalah satu daripada ciri-ciri kanser yang perlu diketahui.  Jenis sel-sel kanser(cell type) juga penting apabila jenis rawatan perlu dipertimbangkan.
Tahap serta peringkat penghidapan penyakit ini boleh dibahagikan kepada empat tahap.



Tahap 1
Ini adalah tahap terawal penghidapan penyakit barah payudara.  Pada peringkat ini, ketumbuhan barah adalah dalam ukuran sebesar 2 cm ataupun kurang daripadanya.  Dalam tahap ini, sasaran serangannya adalah terhad kepada bahagian payudara sahaja.

Tahap 2
Pada tahap serta peringkat yang kedua ini, ukuran ketumbuhan barah payudara akan meningkat diantara 2 cm hingga 5 cm. Selain daripada bahagian payudara, ia turut menjadikan nodus limfa (yang terdapat pada bahagian bawah ketiak) sebagai sasaran serangannya.

Tahap 3
Saiz ketulan barah payudara berukuran 5 cm.  Pada peringkat ini, barah payudara sudah melibatkan nodus limfa ketiak, kulit ataupun otot yang terdapat di bawahnya (otot bahagian dada).  

Tahap 4
Pada peringkat serta tahap ini, serangan barah ini akan menjalar kepada bahagian serta organ-organ yang terletak agak jauh daripada bahagian payudara.  Antara bahagian yang menjadi sasaran serangan barah payudara pada peringkat ini ialah nodus limfa pada leher, paru-paru, hepar ataupun tetulang penghidapnya.
Kadar kesinambungan hayat (prognosis) para pesakit kelazimannya berkait rapat dengan tahap penghidapan penyakit tersebut pada masa diagnosa dibuat.
Keadaan yang bebas daripada kanser selama 5 tahun adalah dianggap sudah sembuh daripada kanser payudara. Ini adalah 80% di tahap 1, 50-75% di tahap 2, 30-40% di tahap 3 dan kurang daripada 10% di tahap 4.
sumber : radiology

DAPATKAN PELAN KESIHATAN PRULADY / TAKAFUL PUTERI DARI PRUDENTIAL .... JANGAN DAH JADI BARU NAK AMBIL MEDICAL KAD ..
KALAU KITA BLACKLIST PUN BANK TAK LULUSKAN APA2 PERMOHONAN KITA...MACAMTU JUGAK TAKAFUL


        FREE QUOTATION ...SMS DETAIL KE 017 5112737  

Wednesday, 19 September 2012

Manchester United 1-0 Galatasaray

Old Trafford, Manchester

MATCH IN A SENTENCE: Galatasaray had a penalty shout waved away just moments after kick-off, and it took United only six minutes after the incident to take the lead—a narrow advantage they'd hold onto for the remainder of the match.

KEY MOMENT: Michael Carrick isn't known for his goalscoring, which is probably why he persisted in slicing the ball into the back of the net after being brought down in the area by Galatasaray goalkeeper Fernando Muslera.

Had Carrick merely fallen to the ground Muslera would have likely been sent off, but the Manchester United midfielder had other ideas and managed to put the ball into the back of the net as he hit the surface.

That he was in alone on Muslera at all was down to a good sequence of buildup that also involved Shinji Kagawa and Robin van Persie, but as it happened United wouldn't be able to replicate the feat over the remaining 83 minutes and, in fact, should feel fortunate that they came away with all three points.

FROM HERE: United will visit Liverpool on Sunday and will host Newcastle in the Capital One Cup on September 26. They'll host Tottenham three days later, and their next Champions League appointment at Cluj on October 2.

Galatasaray, unbeaten so far in the Turkish league, will host Akhisar Bele on Sunday and will travel to Orduspor on September 29. They'll host Portuguese side Braga in the Champions League on October 2.

DIFFERENCE MAKER: David De Gea. United manager Sir Alex Ferguson has rotated his goalkeepers to start the season, but here's betting De Gea will be given the start at Liverpool on Sunday following his excellent display against Galatasaray. His spectacular double-save on Burak Yilmaz and Emre Colak in the 70th minute were worth at least two points to United.




Courtesy of ScoreMobile (http://m.thescore.com/scoremobile)
Sent by Maxis from my BlackBerry® smartphone

Pru Ummah .. simpanan alternative untuk Haji & Umrah

Panggilan haji....... telah tiba lagi..menunaikan ibadah...panggilan baitullah......
Bestnyer kalau dapat pi mekah buat haji atau umrah.. Rasa tenang di jiwa.. Untuk merealisasikan impian itu, pihak PruBSN takaful memperkenalkan produk baru PruBSN Ummah...
Bagaimana plan PruBSN UMMAH dapat membantu anda untuk menjamin simpanan Haji dan Umrah?

1. Manfaat-manfaat Haji/Umrah.
Manfaat Takaful Berganda akan dibayar sekiranya anda meninggal dunia atau disahkan hilang upaya kekal dan menyeluruh semasa menunaikan Haji/Umrah.
Kami akan memastikan bahawa kewajipan Haji anda ditunaikan sekiranya anda meninggal dunia atau disahkan hilang upaya sebelum anda sempat menunaikan Haji menerusi Badal Haji (Upah orang tunaikan haji).
Pengeluaran simpanan bagi perjalanan anda untuk menunaikan Haji/Umrah.

2. Jaminan kewangan sekiranya anda kehilangan nyawa atau hilang upaya kekal dan menyeluruh.
Menjamin keperluan kewangan masa depan untuk keluarga anda.
Memastikan tanggungjawab kewangan anda yang masih tertunggak dijelaskan.
Wang tunai tambahan bernilai RM2,000 untuk manfaat Khairat Kematian.

3. Lindungi masa depan orang-orang yang anda sayangi.
Wariskan kekayaan anda kepada orang-orang yang anda sayangi menerusi penulisan wasiat Islam.

4.Tingkatkan simpanan anda.
Pengumpulan wang simpanan bagi
menunaikan Haji,Umrah atau tujuan-tujuan lain.Walaupun setelah anda disahkan menghidap penyakit kritikal1, kami akan memastikan simpanan anda terus meningkat
.
5. Manfaat-manfaat penyakit kritikal.
Melindungi anda apabila anda dikenalpasti menghidap penyakit yang boleh mengancam nyawa anda
.
6. Bonus Loyalti.
Sememangnya berbaloi untuk menjadi pelanggan setia kami! Anda akan diberi bonus loyalti sebagai Elaun Haji apabila anda menunaikan Haji sekiranya anda membayar sumbangan anda secara konsisten.
Pelan ini juga menyediakan bonus loyalti apabila anda terus membayar sumbangan anda sehingga penghujung tempoh takaful anda atau sekiranya anda meninggal dunia atau disahkan hilang upaya kekal dan menyeluruh,tertakluk kepada terma dan syarat

7. Berapakah yang perlu saya sumbangkan untuk Plan ini??
Sumbangan bulanan minimum adalah RM50. Walau bagaimanapun, sumbangan sebenar anda akan bergantung kepada berikut:
Umur anda
Jumlah dan terma perlindungan anda
Status kesihatan anda
Jantina anda
Tahap risiko pekerjaan anda
Kaedah pembayaran anda
Kekerapan pembayaran anda sama ada setiap bulan, suku tahun, setengah tahun atau setiap tahun
Jadi.. marilah kita beramai-ramai kumpul duit untuk menunaikan umrah dan menunaikan kewajipan rukun ke 5 itu. kita bukan saja dapat pi mekah dan umrah macam tue jer, insurans pun dicover jugak. Mana ader insurans lain buat macam nie. Lain dari yang lain.
So...mulakan dari sekarang..ini hanya alternatif kepada TAbung HAji..
Sms 0175112737 utk quotation

Sent by Maxis from my BlackBerry® smartphone

















Monday, 17 September 2012

Pekerja sektor awam tak perlukan medical card ??? Anda YAKIN ..

Ramai pekerja sektor awam yang tidak dapat bonus gratuiti masa pencen sebab dah habis claim untuk rawatan penyakit di hospital masa bekerja.

Dah banyak juga kes pekerja sektor awam yang semasa masih bekerja lagi gratuity fund untuk rawatan penyakit sudah habis. Lepas tu masuk hospital kerajaan ingatkan 100% covered, alih-alih bila discharge dapat bil beribu-ribu pula.

Yang paling sedih, gratuity fund dah habis.. duit nak buat rawatan tak cukup.. so apa lagi option yang tinggal? Potong gaji le jawabnya.

Jadi, pekerja sektor awam yang dah pernah masuk hospital kerajaan masa masih berkhidmat dengan menggunakan
guarantee letter (GL) kerajaan, sebenarnya ramai tak sedar mereka dah gunakan konsep credit card "caj sekarang, bayar kemudian". Memang anda tak bayar sekarang tapi anda akan "bayar" balik masa pencen nanti.

Jangan tunggu sampai dapat tengok slip pencen nanti baru nak percaya... dah terlambat sangat dah masa tu untuk selamatkan duit persaraan anda.

Tuesday, 11 September 2012

Lapsed Policy Definition


When the insurance premium is not paid on time, all benefits of the policy stops and the policy becomes a Lapsed Policy. The insurance premium needs to be paid on the due date or within the grace period at max. If the premium is further delayed, then the policy becomes “dead” which means Lapsed in the insurance language!
 
The policy conditions state that if insurance premiums are not made during the grace period, the policy lapses and all rights and demands of the policyholder simultaneously ceases. However, the entire money of the policyholder is not forfeited. There are certain clauses which state that the policyholder still has certain benefits but extremely limited ones.
 
In some cases, even death claim would be payable for a Lapsed Policy but for a reduced Sum Assured.
 
Lapsed Policy can however be brought back into life, i.e. revived or reinstated in the insurance language if certain terms and conditions are fulfilled.
 
Lapsed Policy can also be surrendered and certain amount of the premiums paid by the policyholder can be given back to him. Also the extra money that is deposited with the insurance company would be returned to the policyholder.
 

There are no charges that are deducted from a Lapsed Policy because the policy is not in force. However, if death benefit is still payable, then Mortality Charge would still be deducted and not otherwise.
 
The non-forfeiture clauses of a Lapsed Policy is provided to the customer because in the initial years of a policy, the policyholder pays a premium higher than what is required for covering the desired risk. This excess is to be held on the policyholder’s account for the future and cannot be forfeited. This is also because the premium has a savings component in it, which is accumulated for the payment of survival benefit. This is a liability and cannot be extinguished totally, even if the policy does not continue to be in force.
 
Thus, when a policy lapses all the 3 parties (customer, insurer, agent) are at a loss. Hence all insurers facilitate the revival of lapsed policies. On revival of a lapsed policy, the risk cover under that policy is being increased hence underwriting is done at par with a new proposal. The amount of increased cover is considered for underwriting.
 

Wednesday, 5 September 2012

Ace Jerneh Motor Insurance


Motor insurance is not just an option for car owners – it is a legal necessity.  ACE Jerneh’s insurance protects car owners against financial loss in the event of an accident or theft.  The policy offers two distinct types of coverage – multi-featured comprehensive car insurance cover and third-party only cover.
Comprehensive car insurance provides generous benefits and a choice of policy options, including:
  • Cover for accidental loss or damage to the vehicle
  • Agreed or market value option
  • 24-hours emergency auto assist toll-free line
  • Wide choice of authorized panel workshops nationwide
ACE Jerneh’s motor insurance provides coverage for
  • private vehicle
  • commercial vehicle
  • motorcycle
more info ....acejerneh 
atau cal 017 5112737 

Sunday, 2 September 2012

Van Persie stars as United beats Southampton 3-2

SOUTHAMPTON, England (AP) Robin van Persie scored two late goals Sunday to complete his hat trick in a 3-2 win for Manchester United at Southampton in the Premier League and make amends for failing to score from an earlier penalty.

The Netherlands striker struck in the 87th minute and the second minute of added time to prevent last season's runner-up from losing its second match in the opening three rounds of this campaign.

Southampton led 1-0 through Rickie Lambert's 16th-minute header. Van Persie equalized eight minutes later, taking advantage of a slip by a defender to rifle the ball into the net.

Morgan Schneiderlin restored Southampton's lead in the 55th. Van Persie's weakly chipped penalty was saved in the 69th, but made amends with a tap-in and a header with time almost up.


Courtesy of ScoreMobile (http://m.thescore.com/scoremobile)
Sent by Maxis from my BlackBerry® smartphone
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